QuoteOriginally posted by: photoguyThat is a decent amount of cash to live on, but it isn't putting you on the path to home ownership in NYC, it's really tight once you have kids and need a bigger place and nanny, etc. If your partner makes decent money, that obviously makes things easier, but IMO you really need to be at least one income bracket up to be truly comfortable here.A lot really depends on what you define as comfortable, but it's a very slippery slope because once you move one income bracket up, your standards of comfort are likely to change. The thing that makes NYC a very uncomfortable place is relative income. If you make 200K in Portland, OR, you are pretty close to the top of the income ladder. There aren't too many billionaires in Portland, and you are unlikely to run into them. In NYC, you are constantly running into people that are richer and in some cases much, much richer than you, and they get in your face.If you work in NYC, you will *feel* a lot poorer, which is why it's necessary to sometimes take a reality break and look at the amount of money that you are making. Something that I did once when I was a graduate student, was that I calculated how much money I had to make to feel rich. I long, long, long ago zoomed past that number, but I keep that number in my head as something as a reality check. Also, I made a list of things that I wanted to do if I had money. Buy expensive cheese and good ramen. After I got my bonus check this year, I celebrated by buying $30 cheese and a pack of $5 ramen, and it was cool because I could do that.The terms "truly comfortable" and NYC just do not mix. The good news about finance is that there are vast and unbelievable sums of money flowing. The bad news is that people don't quite figure out that being around large sums of money is likely to make you feel poorer and not richer, and you really do have to keep a grip on things.