[kag0]

Others have done ballpark figures based on what you've said. And as someone who has lived in San Francisco making even less at times, I agree that you should be able to build up at least several months savings.

Unless: you have some crippling college debt ($20k/semester*8 semesters paid over ? years), or have a persistent medical issue ($10k/yr out of pocket), or another terrible corner case that I haven't had the displeasure of encountering.