My 100k number is all-in.
> Also, with a bit of searching, you can rent a house with garden for €2000 per month even in large cities like Hamburg or Berlin. As a result, an 100k€ annual salary will be enough for you alone to comfortably bankroll a family of 5 - something that's almost impossible in the bay area due to high rents and insane costs of living.
That is true. But you have to say goodbye to any romantic dreams about owning any property big enough for children (within a nice area of such a city), if you and a similiarly well-doing partner do not want to work for it for the rest of your life. If you have not come across FIRE, that might be okay as well.
