If that someone is a single person or perhaps married without children, and with few or no debts it's pretty low. If they're a person with a young family and sc

If that someone is a single person or perhaps married without children, and with few or no debts it's pretty low. If they're a person with a young family and school debts I could see $1000/mo being a decent target (it's expensive to rent out here, and more expensive to buy). The scenario you describe applies to a fraction of a fraction of even Bay Area tech workers, because being "in tech" in the Bay Area is not at all necessarily synonymous with having a >$200k/yr (total comp) job with a "major tech company." It's unrealistic to assume otherwise, and it's unrealistic to believe that people to whom the scenario does apply are the best or only source of good business ideas and execution.