It’s easy. I don’t want to live in San Francisco for 10 years to have an extra $1.24m. Most of my family would not be “just a plane flight away” where as right now I make good money and it’s a 3 hr car ride to see them. Those things mean something to me that money won’t replace. The cost of living being nice here just means I can also do all the things I want to do easier with less money.