God, this is insane. I live in France, I earn 30k€ net worth a year, my wife is 23k€ and we feel well. We're far from rich, but at no time in those last 12 months I asked myself "can I buy this ?".

Last year I had to go to the hospital for an emergency, I stayed 3 days and paied... nothing. I'm thankfull for this even if I pay for that service.

What you earn is fondamentaly dependant of the place you live. It seems like SF is quite a hard place to live.