I'm telling you - and I mean this completely without hyperbole, lower your conspicuous consumption. Get rid of your luxury car, don't project your wealth.

To be honest, if you live anywhere on the peninsula (looking at you Atherton) and even areas of San Francisco - a reckoning is coming. Neighborhoods will burn.

"There's a storm coming, Mr. Wayne. You and your friends better batten down the hatches, because when it hits, you're all gonna wonder how you ever thought you could live so large and leave so little for the rest of us."