I don't think 10% flat rate is a safe assumption... I've been working in a different market for about 10 years. I have owned my house outright for the last four

I don't think 10% flat rate is a safe assumption... I've been working in a different market for about 10 years. I have owned my house outright for the last four, leaving me with about 5 years of salary in savings + retirement, so i guess that'd be about 50% per year overall, not 10%. Everyone I know in SF is still renting.