yeah, ridiculous student loans (med school), and some of it is definitely unrelated to being in the bay - a lot of debt related to the substandard paid maternit

yeah, ridiculous student loans (med school), and some of it is definitely unrelated to being in the bay - a lot of debt related to the substandard paid maternity/paternity leave when having a kid in the USA (shoulda got that job @ netflix in retrospect...). but kid-related costs here are also out of control, accredited infant daycare is insane, and you pretty much have to take what you can get into. same with after school care. this alone is >$3k/mo. CA self-employment tax is nothing to sneeze at either, especially if you're a contractor in an industry that makes having an s-corp unfeasible.