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By the same logic you could say if only I'd done X I'd earn an extra $15k, $20k or even $50k a year but would you have followed a path in life that was balanced and happy? Not every decision can be reduced to a number

$120k in SF or 40k€ where I currently live get me both the same standard of living. I don't think comparing absolute wages/salaries has ever been meaningful.

Eh, you'll save thousands by not having to commute.

Or the other option, work remotely and not get underpaid...