I agree with everything you said but I think you&#x27;re underestimating the importance of fighting lifestyle inflation at all costs. It&#x27;s incredibly hard to justify a six-figure burn rate under any circumstances, even in San Francisco. If you&#x27;ve got a job making multiples of the median <i>household</i> income in the US, it&#x27;s incredibly irresponsible to live in a manner that wouldn&#x27;t support a pretty major pay cut at any point.