> The only thing that's really hard to avoid spending way too much money on is housing.
And people shouldn't discount that.
Here in suburban Dallas, I'm paying $1220 (soon to go up to $1270) per month for a 1513 sq. ft. townhouse that I have entirely to myself. And my commute isn't bad because most of the tech companies here are also in the suburbs (the Telecom Corridor in Richardson).
Good luck finding anything like that in SF.
I'm a very private person, and I like having a lot of space to myself. The idea of having a roommate or living in a small apartment (especially in an urban environment) makes me physically ill. I'd never be able to live there.