I am a fairly mediocre engineer. I have less than a decade of experience and have never worked at a "top" company. Yet I earned over $200k last year.
You can downplay your expertise, but from reading the About of morgante.net you have plenty of accolades, programming contributions, winning the 2013 ArabNet developer tournament and receiving awards from MIT, Yale, and the University of Pennsylvania, starting various companies, and even an investment fund. You are very much in a top minority percentage making $200,000 a year with under ten years experience.
I'm not sure how attainable $200k is, but $105k for a mid-career adult is quite low. Perhaps that is the case at actual startups, definitely not the big ones or unicorns.
$111,885 average [1]
$110,554 average [2]
$103,000 average [3]
I know this is HN, where everyone makes $150K and has $1M in savings and a supermodel girlfriend, but in the real world I think things are a little different.
1: http://www.cnet.com/news/apple-google-facebook-dont-pay-the-...
2: https://www.glassdoor.com/Salaries/san-francisco-software-en...
3: http://www.payscale.com/research/US/Job=Software_Engineer/Sa...
You can easily live in SV for under $100k/year. You can earn >$200k as an engineer in SV (and in few other places). SV is almost certainly going to leave you with more money in your pocket than working at the average tech job.