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Agreed with above, although $25k might be more realistic for the SF Bay Area if you're not naturally very frugal. Just to make it a little more concrete if you choose the first option:

- $700-$1200/mo for rent+utils (1BR in shared space, south bay vs. SF)

- $200-$500/mo (cooking vs. eating out)

- $50-$400/mo (ascetic vs. lover-of-gadgets)

- $200/mo for basic healthcare + other bills

- $100/mo for public transportation

- $100/mo for exigencies

Feel free to email me if you have questions! (see profile) I've been working for six months in SF, living in MV.

By the way, I think it's great that you have a sense of perspective already (and the savvy to be filling your Roth IRA...) that kind of stuff is priceless.




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