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At least if you work for Google (as I do), comp growth seems to stay ahead of costs if your lifestyle doesn't change too much. But if you want to get married and have a kid (and live in a two-bedroom apartment) it starts feeling pretty expensive pretty fast. And housing costs are nuts in NYC (on top of the raw numbers, which might be comparable to SF at the low end, the market is obfuscated by slimy agents and a cheap apartment in NYC can be of shockingly poor quality).