If it is the Bay Area, you are mistaken in the ideal that there would be money saved up. An apartment is ~4K. A mortgage on the normal 1m plus home is at minimum 3k. At that salary you basically have zero tax deductions except for your house and any charity. Tax rate fed+state, insurance, 401k will reduce take home to ~150K (at 200K salary). If that pay number is not base and includes RSU which is taxed at a higher rate... even more in taxes. So take the middle ground 3500 per month on housing that is 42K. Property taxes in CA on $1m is around another 14K. Then home owners insurance, auto insurance, etc. is another 10K. The number goes down fast.

You can sell that expensive house and move to a lower cost of living. Even in the bay area, $300-500k is a good salary (they said several hundred thousand). $200k in that area would be different, and I think you might be missing some costs in your breakdown since that seems like a lot left over. Even if you could save $50k per year on $150k take-home pay, that's a lot better than most of us.