[evgen]

I will concur with the others who are suggesting you explore remote options first. Besides the quality of life hit you would take in moving to SV, you are also increasing your risk if things don't work out. Start-ups, even well connected ones that seem like a sure thing, fail all the time. While your path to savings and local support network sounds like it will provide you with a nice cushion in Ohio, you would not have this in the bay area. With only one income in the family a six-month or more stretch of unemployment might be devastating.

Look for remote work, and see about building a network both in SV and NYC. The latter is a bit closer to you and you might find it easier to land a remote job with a NYC firm.