> if you're spending $50k/yr on rent, even in San Francisco, you're insane. Or maybe you want to live in a nice high end 1br condo in the heart of the city wit

> if you're spending $50k/yr on rent, even in San Francisco, you're insane. Or maybe you want to live in a nice high end 1br condo in the heart of the city within walking distance to work and enjoy a higher standard of living because you can easily afford the $50k and still have plenty of money left over for living expenses and savings/investments? Or to quote your earlier sentence, shouldn't it be "up to you how much you want to save vs. how comfortable you want to live"?