You my friend, need to go get a better paying job. Get out of Europe/Canada/Asia and get a software job in the USA.
Try moving to seattle or if rain doesn't work for you, the bay area. With an income of $300k+ you could probably save that $100k amount in a few years. Don't move until you have job, that way you get a relocation benefit and that $3000/month rent won't seem that crazy to you.
Even working at a startup will pay you better than what I'm estimating you make in austin.
There's much more to my life than being a programmer, that's just what I do for work. My life does not revolve around it.