210k in Phily/DC vs 220k in NYC? Having an itch to move to NYC but finding it hard to justify the COL

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Move if you want to live in NYC.

Living life by prioritizing where is the most financial savvy is a waste imo. As long as you can afford it, go live the experiences you want to live.

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That’s great perspective, thank you :)

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Yeah if you genuinely just want to maximize your financial situation, then I guess Philly is the best bet.

At that level, you will be fine regardless. Forreal just go where you want to

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Because DC is so cheap?

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Move to NYC. Ditch your car and live in a small studio or get a roommate. You’ll break even on monthly spend and figure out where you want to be while your life is still cheap. You know what’s really expensive? Living in Philadelphia and not making a connection that’ll get you in a top tier firm or living in DC and realizing all the action in finance is either in Chicago or NY so you have to move a whole family to the city but aren’t familiar with the schools, commute, or neighborhood.

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You really want to live in Philly?

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Philly is amazing. NY and DC are awful.

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If you can minimize rent and get by without a car, do it. The network you make will be invaluable.

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