<prompt> Human: TL;DR: Monthly paycheck - 3,900 1,800 biweekly 2612, Monthly Rent - 2,500... but maxing out my Roth 401K with 50 company match, maxing out my HSA, and getting a decent amount of company stock. Anything I should change with my current situation?nbsp;Hello PF,nbsp;Two years ago to the day I moved to the Bay Area to pursue my dream job. Going into this I new it was going to be tight for the first few years given the crazy high cost of living. I moved my wife stay-at-home mom and two children across the country for this opportunity. My job is amazing, but I want to make sure I am not sacrificing my short and long term financial health.nbsp;Here are our basic stats:nbsp;Current Salary - 85Knbsp;Deductions:Roth 401K - 18K Company matches 50 9K, instant vesting HSA - 4.65K Company puts in another 2K to get the maxMedical Insurance - 2KTaxesOther - 13.5Knbsp;Annual Take-home base - 46.8K 3.9K per monthnbsp;Expenses monthly, 12 month average straight from Mint so this should be all inclusive:nbsp;Rent - 2,500 64!?! of my monthly take-homeTitheCharitable Contributions - 500Groceries - 500Car Payment - 400 0 Loan, 8K remainingCar GasMaintenanceRegistrationetc - 150Insurance CarRentersLife - 170Personal Care - 150Utilities CellInternetElectricGas - 150Miscellaneous Toys, Gifts, catch-all - 125Roth IRA Contribution - 100Entertainment - 100Vacation Fund - 100College Fund - 100nbsp;Total Monthly Deficit from Paycheck minus Expenses - 1,145nbsp;At first glance this seems crazy and we should get the hell out of the Bay Area to somewhere more affordable, however there are a few things I need to layer on:nbsp;Target Bonus - 15K pretaxEquity Grants - 25K pretaxOther Misc Income - 10K pretaxnbsp;So while our cash savings is rather stagnant, I am building a decent stockpile of company stock, maxing out my 401K, and building a nice amount in my HSA.nbsp; Sanity Check - are we doing OK? We potentially want to purchase a town homecondohouse in the next few years. Should I alter my contributions at all? Such as move to a traditional 401K to save on taxes.  <response>: If the monthly deficit includes the 401k and roth, its not really a deficit. You are just moving money each month from existing savings into tax advantaged accounts. 