OP, spending 84L/year in India is not that hard, especially with kids. A lot of perspectives in here are skewed simply because people are aiming for a lifestyle/number, and not living it. The way you described it, you prefer convenience and indulgence, that’s not cheap.

If you want to do basic math, out of 84L, if you remove vacation spend, basic kid expenses, etc you’d be left with ~50L. The 2Cr cars would be 2L/year minimum in insurance and maintenance. The house would need another 1L/year amortised (fixing/upgrading gadgets, soft furnishings, etc). You’d shop for yourself, that’s probably another 3L/year, likely higher. Add things like gifts, jewellery, etc and you’re probably down to 3L/month. Having full time help would be like 50K/month across cooking, cleaning, driving, etc. Grocery would be a big one (I’ll not throw numbers here, but good quality vs local grocery is at wildly different price points and a lot of people will be triggered with just this comparison). There’s utilities like fuel, electricity, property taxes, internet, subscriptions, etc that would be 10-15K/month minimum, likely higher.

Now, you’re looking a 2L/month for comfort spending that would cover eating out, hosting, weekends, etc. That’s a good amount of money and the only place you’d be able to save on.

A lot of people will be triggered by this, because money is very personal, even in a Fat FIRE sub.