How much of that £108k is actually 'discretionary'? Once you subtract the high cost of rent and the lack of domestic services, the 'disposable' income might actually feel lower in London than the 'disposable' portion of a ₹45 LPA salary in Bengaluru. The luxury tax of the West is real

I think the 'London' argument is strongest for people who value systemic infrastructure (healthcare, public transport, air quality) over individual luxuries. You sacrifice the 'King' lifestyle to gain 'Citizen' benefits. It’s a trade-off between personal status and societal utility.

Spot on. It’s also worth mentioning the 'career ceiling.' While Bengaluru offers a faster path to being a top earner, London often provides a more stable long-term career trajectory with better work-life balance and less burnout. It’s not just about the money, but the pace of life you can sustain for 10+ years

The 'outsourcing' factor in India is something people abroad often forget to include in their FIRE (Financial Independence, Retire Early) calculations. If you have to pay £20-30/hour for basic help in London, that eats into your savings rate much faster than paying ₹5k/month for a cook in Bengaluru. It’s a completely different mental model of 'wealth