Overall, SF makes me feel like the standard of living for developers is really going down, not up. For all that the startup culture has produced, it has also encouraged lots of people to basically save no money and significantly reduce their living standards all for the sake of "doing a startup." I'm always shocked to hear so many stories of people living in near poverty to work on a startup idea which is, in total honesty, far from amazing.

I don't mean to come off the wrong way or as judgmental. But when I think of a software developer in SF, I don't think of someone with a nice house with a backyard. I think of someone in a cramped apartment, probably with roommates.