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. Read "I make over $300,000 a year working for Meta in San Francisco and still don't own a car, couch, or TV": bit.ly/3Q1ouvS For more from Raymond: youtube.com/channel/UCS8cPzkeCD048VJgwMN3OGw 00:00 - Introduction 00:15 - Income and work 00:53 - Housing and utilities 04:23 - Transportation 05:19 - Food and groceries 07:24 - Leisure and hobbies 10:55 - Savings and investments 15:17 - Long-term plans and advice ------------...