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> For somebody living outside of San Francisco's bubble or other expensive and overrated cities like New York or London, 150K is actually better than 400K.

There's no way that's true. You can easily save six figures per year on 400k total comp, no matter where you live. Saving 100k per year on 150k is much more of a challenge, especially when health insurance and taxes are accounted for.

Point being, you need to measure net savings. And you don't want to adjust that by cost of living.



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