You need to make more than you spend. Your comp is very low so you need to change jobs to get your comp closer to where it should be. Not much else to say on this. Start leetcoding and polish your resume.
Edit: Yes, $110k for a tech employee with 12 YOE in a HCOL area is very very low. You don't need to work at FAANG to make significantly more than this (see levels.fyi for many examples). The existence of poor people living on less does not change this fact or mean the OP shouldn't strive to be compensated at a level appropriate to their experience.
Edit: Yes, $110k for a tech employee with 12 YOE in a HCOL area is very very low. You don't need to work at FAANG to make significantly more than this (see levels.fyi for many examples). The existence of poor people living on less does not change this fact or mean the OP shouldn't strive to be compensated at a level appropriate to their experience.