Simple fact:
Ek F/O salary NOT enough if you are european and still have debts to pay back home ie house. If you sell everything and take the plunge into dubai it is sufficient. Don't know how it is for everyone else but suspect it is slightly less of a problem.
Ek Capt salary OK, you can be comfortable, but don't expect to save much as a junior guy, gets better as time goes on!!
Leavers: talked to yet another guy the other day who has resigned. I now know of 8 and thats just on my fleet.