At 20,000 AED, you can afford a 2-bedroom in a decent area (8,000-10,000 AED), put children in good schools (3,000-5,000 AED/child), and still save 5,000-8,000 AED/month. This salary level gives you genuine financial security.
You can also start thinking about investments: real estate down payments, mutual funds, or building an emergency fund of 6+ months. 20,000 AED is where Dubai stops being stressful and starts being rewarding.