I live in SF and I work in tech. I make north of 100k and my rent is 2k. Your situation seems bizarre to me.
If you and your girlfriend make north of 100k, then you're pulling in cumulatively 13k-15k/mo after taxes. At $3k/mo your rent is below the commonly cited <33% of take-home income for housing. With at least $10k left over between you, why is it so difficult to save? I could very easily save 20% of my take-home or I could "upgrade" to a $3k/mo apartment. The only major payment I don't have in common with you is a car payment (and auto insurance). I'm also not particularly frugal, but I don't go eat at Saison every night either.
You really are doing something wrong. I don't know if you're griping in vain, but you and your girlfriend should review your lifestyle and make some changes.
If you and your girlfriend make north of 100k, then you're pulling in cumulatively 13k-15k/mo after taxes. At $3k/mo your rent is below the commonly cited <33% of take-home income for housing. With at least $10k left over between you, why is it so difficult to save? I could very easily save 20% of my take-home or I could "upgrade" to a $3k/mo apartment. The only major payment I don't have in common with you is a car payment (and auto insurance). I'm also not particularly frugal, but I don't go eat at Saison every night either.
You really are doing something wrong. I don't know if you're griping in vain, but you and your girlfriend should review your lifestyle and make some changes.