Have you looked into remote work? If you are sufficiently senior and produce top-notch work, there are plenty of places that will let you work remotely at SFBA pay. For the cost of living in the Bay Area, you could have a condo in Telluride, or a nice house in a state like Montana or Idaho. Where I live (small-ish town Kansas), you would have a really tough time finding a house with a house payment as high as the typical rent on a San Francisco 2BR. You could have a beautiful, huge spread with a kitchen full of commercial-grade gear and a spa for a bathroom for that money out here.