Are you suggesting the average coder earns over $80K+. I don't think so. If the average age for founders is 26, then they possibly have half your work ex, which translates to a significantly lower salary. Here we are talking about people in general not your case specifically.

Server costs can vary, but I would estimate my needs at around $1300+ within 6 months of launch (I will know exactly only once we have launched, I am hoping this turns out to be an understimation ;) and I am looking at service providers such as rackspace.com, servint.com, datapipe.com and serverbeach.com to name a few. Also what kind of servers are we talking here - in terms of hardware? Are you considering a separate db server? Can you refer me to some reliable host who has rack-mounted, dedicated servers at $250 and provides decent support.

I don't know how long most ycombinator companies get by and on how much. It might be interesting to know. I would 'assume' that $15,000 finish in the 3 months. That's a fully loaded cost of $5000 per month. Typically people and hardware are the biggest costs, because there are no employees I think the larger cost may be servers and connectivity. And so it seems server cost is significant. Maybe someone with facts can add to this.