<prompt> Human: Hi guys, We are a young family of 3 in our late 20s and a little one looking to live a comfortable life.We use to live close to work but we bought our first home with a 500k mortgage early this year more than 50 miles away. Im the only one working right now since my wife stays at home to take care of the baby.I travel at least 4 hours a day roundtrip using public transportation. Everyday is a struggle and work is slowly declining. I live off from tips as a server. I used to make 300-500 a day regular day-great day but few months ago management changed and everything did too. I only make 150-300 a day now. It is enough to live off but I had financial plans and goals that I wanted to achieve like max out our Roth every year and have another baby next year.Were both undergrads so looking for a good job close to home is hard we are only minimum hourly wagers.Luckily we have an efund of 8-12 months and thats the only thing helping us not to panic.I would like to use some of our efund to start a small online business like selling on amazonebay. But Im afraid to start or to fail.I would appreciate any advice in my situation.Thank you.  <response>: Single-income family in bay areatravel at least 4 hours a dayOnly make 150-300 a dayhave another baby next yearI advise you to move away from the bay area. You do not have jobs to support the lifestyle you want or really any kind of lifestyle in the bay area. There are many lovely places in this country which have a cost of living several times lower than the bay area. Go develop your career elsewhere and maybe someday you can move back to the bay area if you really want to. 