<prompt> Human: Career:I accepted a 70K job in the bay, and turned down a 70K job that could send me to Carson City, NV or Phoneix AZ. The only reason I chose the bay was to: Develop IT Career, maybe faster and higher than AZ or NV? Socialize with higher end people, progressive, going-somewhere folks, successful. Date there, maybe I meet a girl with a good job too. Culture, Arts, food...weather..sure...weather.I pray to God its worth it. I could regret it in 1, 2, 3 years. Hell, I almost regret it NOW.In 2-5 years I either need to be working my way up, or GTFO to a cheaper place or go Sacramento for a state job with retirement.Financial OverviewI haveam: 33yrs 20K Cash in Brokerage. 9k in retirement accounts. No debt. I charge crap to my credit card and pay it off.Financial Plan:If I: max out my roth 401k 1500mo after tax max out my roth IRA 460mo after tax max out my HSA 280mo before tax, about 200mo after tax if I cut it completely that leaves 1941!1941 to live on, rent with, save, eat out with, date with...1200-1300 of that could disappear in rent easily! I see some rooms at 800-900, but not too many!According to my math, I can free up 500 bucks a month now by using a traditional IRA or 401K instead of the roth. That could help alot.What should I cut? HSA? 401K? IRA? Get a weekend job. Something has got to give. At least I have some cash to use as a buffer for emergencies or going over-budget. Id rather not touch it though, Id rather ADD to it.I can only hope my income rises! Or I need to GTFO! I didnt include bonuses, but I was hoping to save those or vacation with them or buy a new laptop, or save a couple of them and buy a car...Reality is setting in. Thoughts?Im not in a bad spot, Im just trying to be as smart as I can because I wasnt that smart in my 20s.  <response>: I wouldnt devote as much to your 401k. Id also suggest contributing to a regular 401k, rather than a Roth. Its an expensive area, indeed. And while maxing out all your retirement vehicles is admirable, I dont think its within your budget. At least wait until you figure out what youll be paying for rent. 