I think people don't understand how their cost of living can be different then someone else's. Your COL calculation will be very different based on what standar

I think people don't understand how their cost of living can be different then someone else's. Your COL calculation will be very different based on what standard of livings you want to preserve (house vs renting, downtown SF vs commute, sending kids to private school). So the COL delta is different for everyone.