Consider you're slightly older and thinking of starting a family. Will your income cover: extra food and clothing for a child? day care or maternity leave? saving for college? saving for retirement? a larger apartment for your growing family? a down payment on a house or car? car payments or a mortgage? investment income? Is your company paying for your dinner because they expect you to work at night?
$100k in SF is a reasonable amount of money. But as your expenses begin to grow, you may wonder when your earnings will grow in proportion. Unfortunately, while many industries value their workers more as they grow in experience, the SV software industry has taken a unique stance that experience is actually a liability. Perhaps because the SV software industry runs on the notion of maybe-someday compensation, which is a palatable proposition mainly to the young and naïve.