A $306,500 salary sounds like a dream, but in San Francisco, it comes with tough trade-offs. Raymond Zeng, a 24-year-old Meta software engineer, takes home only about $4,000 per month after taxes, 401(k), and HSA contributions—because 60% of his compensation is tied up in stock and bonuses [citation:1][citation:5]. He lives in a $2,600 apartment, spends just $300 on groceries and $75 on dining out, and owns no car, couch, or TV [citation:1]. With aggressive savings of $5,000 to $20,000 monthly, he's on track to retire by 30 [citation:2]. This is the real math behind a six-figure tech salary in one of America's most expensive cities. Cost of living, salary breakdown, FIRE movement, and financial discipline at the highest level.