Yup. SF is the same as NYC. I ran the calculations a while back, and for my lifestyle I've found out that it's hugely advantageous to work in the bay area until

Yup. SF is the same as NYC. I ran the calculations a while back, and for my lifestyle I've found out that it's hugely advantageous to work in the bay area until I have kids, and then move back to Europe when I do (unless I'm crazy successful and have a high net worth).