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What is the reasonable rent if my net pay is $9500/month (before 401k and insurance).
Current savings are 30K (emergency fund) + 130K (brokerage) + 20K (401k).

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$2375. All personal finance books/ blogs say a maximum of 25% of gross pay for housing. However since consulting pays significantly more then the median, I believe the consensus on this bowl based on other posts is no more than 25% of net.

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Does it take into account the median rent in San Francisco? :)

I am in the same pay scale as you are. Once I have contributed to my 401k, paid my health insurance etc etc I have $9k in the pocket. My rule is, whatever you end up spending, try to save half. I live in NY in a large 2 bedroom in Central Park north / south Harlem, live a good life and still can shelf half of the earnings aside living a good life. Be smart how you spend (do you need that business class ticket for a long weekend in Miami? Probably not...). That’s my 2 cents

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What's your actual net pay? Why quote a number that excludes 401k and insurance which could easily be >$2,000 a month depending on how much you contribute

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Jesus, so many word police here without giving OP any meaningful input...

Unfortunately in a city like SF, it’s not really about what’s reasonable because it’s not like you have many options. You just have to pay what maker bears if you are willing to. I think 1br these days is $3500-$4000? Obviously you can compromise with older buildings in less desirable neighborhoods. I also live in SF but lucked out by inheriting a rent controlled apartment when my friend moved out.

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Ok ok - smart people say I should exclude insurance and 401k.
My net income is $8,600 then.

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Continue having a roommate until you move in with your SO.

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I’ve been sharing an apartment for >2 years and paying $1600 for a room but done with it now and planning to rent 1br next month.

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Making 4k a month (after 401k and insurance) and pay 1300 for a room. I save $1200-1500 a month. If you are having trouble saving, what else are you spending your money on?? I'd say your situation is pretty good.

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My bad - I did misread. I thought you were done paying 1600 because you thought it was too high, and were looking for something more reasonable. My apologies

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Depending on where you live, but I think you can spend about 3K on rent.
Food a more accurate number I would need location and lifestyle choices (I.e. the 25% number didn’t make sense in NY)

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Higher cost cities like NYC and SF 30% is justifiable because you don’t spend as much on car and transportation.

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Depends on where you live. The max should be 30% of monthly income in rent.

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I’m in San Francisco btw

The thing is you can’t find a decent 1BR for less than 2800-3100 in SF. And this is lower end.

Idk wtf ur talking about but like someone said awhile ago 25% is fine you’ll live

As low as you can humanly pay, SF landowners run a borderline price fixing scam.

Consider Oakland? Can find reasonable 2/2 units to share around $3k.

Inconvenience, commuting, etc... always come up, but it’s only 12 miles, and it’s up to you if you want to spend 15% more of your take home to cut that down.

3k spend a little and enjoy ur place...

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