[nose]

How do they pickup their kids towards the end of the workday?

Commute times are a real factor in deciding where to live, and which schools to pick. In the Bay Area, the only real solution is living closer to work, which requires over bidding & selecting private schools if they picked the wrong area.

[avazhi]

Why are you using the metropolis with the highest cost of living in the US as some kind of benchmark? SF is an extreme outlier. Why do you keep mentioning it?

Almost everybody who is upper middle class in the US doesn’t live in San Fransisco, so find a better comparator.