<prompt> Human: So Ill likely be getting a job as a software engineer after graduation, with 100k starting salary. Ill probably end up in San Fransisco.I went through the flowchart and added the major items: Per Year Earning: 100kRentMortgage: 48k see edit 4kmonthFood and transportation: 14k see edit 30day for a month; 10 for taking the subwayEssential Items: 1k Toiletries, etcRetirement: 17k 1.4kmonth to max outTaxes: 28k 28TOTAL REMAINING: -8kI thought people were able to make a relatively comfortable living with 100k? But instead, Im fucked! Ill have to find a way to create about eight thousand dollars out of thin air, no spending money left over at all?Where am I going wrong?EDIT: Thanks for the help so far. Here are some adjustments: Rent: 2kmo - I would prefer to live by myself in a comfortable area, but I realize this is a want and not a need. It doesnt need to be in city, especially if my commute is minimized. This gives me 24kyear compared to my previous estimates. Food and transportation: 15day if I use groceries, saving me about 9kyear compared to above. 401k is pretax, which I didnt know, so that leaves me with 3kyear.This leaves me with 28k left over. Any suggestions?  <response>: In most areas of the country 100k is plenty. In most areas of the country rent is nowhere near 4kmonth for relatively comfortable. Even in SF you can do way lower and still be plenty comfortable. 