Let's do some quick math to see why... AG pay is right around $60k or so after locality and CIP, which for easy numbers is $5k/month but we will call take home around $3200. Rent for a one bedroom is right around $2600/month for pretty bare bones offerings. Utilities will probably run around another $300 after you figure in a phone bill. Fuel is $6 a gallon, not to mention any car payments you may have. Student loans? Probably another $300-$400 right there after the moratorium lifts. I hope you don't have to have literally anything repaired on your car, because that's another good chunk of change you're paying from somewhere. Groceries are about 20% more expensive than the rest of US. It takes over a year to get checked out there, so you're probably looking to spend 6-8 months at AG pay and hope you don't run the credit cards completely dry by that point just trying to survive in Northern California.