Less 3k a month is in solid 1 bedroom territory for those neighborhoods these days. Around ~$2700 is what I'm seeing in my search for decent 1bedrooms in good SF neighborhoods.
From what I have seen the salary spread between say SF and NYC is not enough to compensate for the higher rental costs in SF.
Good luck with burning out at 35 with no passive income streams. I'd rather build equity, and even have a couple of rental properties from being a top 10% earner in a smaller area. That's a million dollar piggy bank being filled by someone else AND a passive income stream on which to retire.