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Most comments here don't even mention kids. Childcare is very expensive on top of your rent/mortgage.

It's highly likely that by the time you are 35-40 you will be paying for rent/mortgage AND childcare.

Yes, it is very expensive (2 kids here). It's not appreciably more expensive than a Midwest town unless you really want that super premium private school.

Schools in the Bay Area can become pretty poor once you are in a more affordable area. If you want a decent school the rent/mortgage will reflect that.

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