I know it is a difficult ask for commenters to tell where they are from, but most answers wouldn't make sense unless that information is given. I would have completely different money management principles if I lived in SF bay area or in a developing country. Also, the state of the economy matters a lot. If you lived in a country with 6+% rates of inflation, you would have completely different future planning than say in SF bay. Also important is taxation and rebates in your region. But I am pretty sure you are in SF bay area, as are most other commenters here, so I will excuse myself as I have nothing useful to advise.
By we do you mean software engineering in general or bay area? Asking because most people commenting on hn tend to assume the entire universe is just the sf bay area.
Location: Bangalore, India
Remote: Yes
Willing to relocate: No
Technologies: .Net, MSSQL, Oracle, MySQL, ESB (WSO2, Oracle Fusion MW). Have worked on Java stack too, but few years back, so bit rusty there.