I'm financially ruined at this point so a move to bay area would be a little difficult for me. Oddly enough, I'm still passionate about startups so this might actually work for me if I can find a way to finance it!
Join a funded startup that's growing quickly. These (supposedly) pay market rate salaries (although "market rate" is rather skewed in the Bay Area these days...it probably won't be FAANG-like). They're also always looking for people, and they have an immediate market for every feature they put out (which can be a big help in avoiding the burnout/depression that comes with a failed startup), and your financial outcomes on average are usually better than with early-stage pre-product-market-fit startups.
A lot of companies offer starting bonuses and relocation packages, and of course they will fully pay for flying you out for the on-site interview. Do NOT rule out a potentially life-changing career move just because you're a little bit short on money now, especially because that's not even a real hindrance!