<prompt> Human: I make 90Kyear in a low cost of living city similar to Cleveland and rent. I have no interest in buying a property and want to pay down student loans. People similar to my age and educational background from the same grad program make about 130k salary in high cost of living cities like NYC and Boston. How much worse off is a 90K in Cleveland vs 130K in NYC or Boston?  <response>: 90k in Cleveland is probably better off than 130k in New York City. But theres a reason people pay more to live in New York City. 