$3700 a month for a condo is plainly ridiculous. You could rent for half that. I’m not sure what there is in San Diego that helps you part with $150k a year, unless you are splurging on high end consumption, but you could do that anywhere. Consumption is going to be one of the next major blots on the landscape, particularly as China gears up, and competes for resources. It might sound very trite but learning to scale down and live more “simply” has it’s rewards. A little more soul searching and a little less materialism is healthy, and you don’t need to hug trees either.