A full breakdown of whether $4,000/month covers the cost of living in San Francisco — including take-home pay after tax, monthly costs, your savings rate, and how long until financial independence.
Highest tech salaries globally with correspondingly high costs and taxes. California state tax of 13.3% on high earners is significant.
Federal + California state tax up to 13.3%. Highest state income tax in the US.
401(k), Roth IRA, HSA (if eligible) for tax optimization before taxable accounts.