Its been my tangential and perhaps unpopular observation that in high COL areas where there's a high minimum wage/high salaries - there's an increasing benefit to RV/apartment arbitrage.

Basically take benefits of the high minimum wage that was meant to address housing costs/RV camping but live in an RV/couch surf/double up a single family during the week anyways.

There are stories/Youtube videos of of techies living the RV life or multiple roommates to benefit from this arbitrage. To be honest if you are single maybe the tradeoffs aren't that bad.

Also there's also these challenges apply to "self-employed contractors" as well. https://www.theguardian.com/technology/2019/may/07/the-uber-...