Asianautica,
Sure, I understand. I guess my real thesis statement here is that due to the higher upper bound for salaries in the aforementioned metro areas compared to SD (borne out by avg weeekly earnings data from BLS) combined with lower housing costs, it is easier to attain personal balance sheet growth. This is largely due to the more rational 3-4:1 ratio of salaries/home prices. The Bay area may be an exception, but most dual income couples I know there are older and combine for at least $300K.