I've been in the bay area 18 years now. I am a software engineer for a major company. My life is far simpler than this. I almost never eat meals out, I do all my own grocery shopping and cooking. I don't own a car because my needs are simple (public transit / walk to grocery store, company shuttle, and Uber for weekends) so I guess the comment OP got that right. I live in a one bedroom apartment that I clean myself. Is this unusual? All my friends seem to be in similar situations.