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Thank you so much for your inputs! May all of you have a blessed Christmas!

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You’ll be fine. Get a roommate and you will be just fine.

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If you live in SF, you do not need a car. 125k is a decent salary to live in SF. I would suggest living with roommates if you want to have more flexibility with your money.

Welcome to SF! :)

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Why don’t you project your expenses out and see what level of rent you could afford while saving an amount acceptable to you?

helpful

You'll be fine. You're making more than me lol. I live in a studio in FiDi SF but still keep a decent amount of savings and travel trips.

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Get a roommate, hold off on the car and if you want to really accelerate your savings rate, the other big category is food and entertainment so think how much you want to save in that category (the big cities have a lot of advantages in this respect. You can cook your own food and LOTs of free or affordable entertainment). The HCOL in SF really comes into play if you have kid(s) and want to buy a house. If those are not a factor, you will find that you can do very well financially in SF (higher salaries and lots of opportunities for career advancements) with plenty of fun money or go full-on FIRE mode if that’s your thing. Good luck!

That is soooo much money for an entry level job though! Started 10 years ago at ACN and my Analyst salary was 65k (not SF but still!) You'll make 125 work that's a lot of money and you'll get raises quickly.

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