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Raymond Zeng lives in the San Francisco Bay Area and works as a software engineer at Meta, earning $306,500 a year. Despite his high salary, he lives minimally, saving aggressively with the goal of retiring by age 30. Instead of spending on material things, Zeng prioritizes travel, hobbies, and investing, using credit-card points and perks to help fund trips around the world.

In this episode of Cost of Living, Raymond breaks down exactly how he budgets, spends, and invests his money while living in one of the most expensive regions in the US.