I don't know if you came from an extremely privileged background, but I find it ridiculous that your minimum standard of a comfortable living starts at over double the median household income for that area.
I grew up in the Rust Belt in rural PA. Mean salary where I am from is about $22k. You either haven’t lived in the Bay Area or can’t do math if you think what I am saying is crazy. Anyway check this out https://www.google.com/amp/s/www.cnbc.com/amp/2019/09/11/you...