Ok dude. I see you've put a lot of time into this. If you want to continue this conversation my email is in my sig. I am your living counter-example. I've work

Ok dude. I see you've put a lot of time into this. If you want to continue this conversation my email is in my sig. I am your living counter-example. I've worked middling tech jobs for the past few years making roughly what we're talking about here, and I'm buying a house...right now. No huge earn-outs, no big equity payout, no AmaGooFaceSoftPle job. I think it just takes a bit of saving and willingness to say no to things once in a while. Also, a lot of people don't put 20% down in the SFBA. My arguments about the big picture still stand, though. Your cash comp numbers grossly understate dev income here because most of them don't include RSUs, options, or other non-cash (and sometimes even non-bonus) comp. I'm not saying it's sane or rational. But I just don't see a case where there's going to be a dramatic crash. As long as people are using Google for search, as long as iPhones, and Teslas are selling, and people are wasting time on Netflix and facebook, there's just going to be a lot of money around here and prices will reflect that. We're inventing the future and just take a look at stock prices of these companies if you need proof. It's all happening right here so of course, things are going to be a bit expensive. It's just not that complicated, really.