Video Summary - How much we spend in a week living in San Francisco *2026 edition*

Weekly cost of living highlights (San Francisco, 2026; tech/finance family)

Housing (mortgage + property tax + insurance): $5,700/month ≈ $1,420/week
Kids + childcare + summer camps: $88,600/year ≈ $1,74/week (as transcribed)
Cars (2 paid-off cars; gas + auto insurance): $344/month ≈ $86/week
Fixed weekly total (end of week recap): $3,594/week
Variable weekly total: $1,892/week
Total weekly spend (week snapshot): $5,486/week

Morning rhythm centers on family time
- Coffee is treated as a non-budgeted part of daily life
- Example spend for one morning: 4 drinks + 4 pastries = $33.22 (transcription shows “$3323,” likely meaning $33.22)
Workday healthcare logistics
- Dentist: $0 because two cleanings/year are covered
- Additional healthcare: family high-deductible plan
  - Deductible shown as $6,000 total = ~$500/month until met, then covered

Running training
- Training for the Los Angeles Marathon
- Running coaching cost: $59/week
- Coaching rationale: prioritize safety and longevity, injury-risk reduction, and long-term structure
Exercise routine examples
- Run after drop-off
- Dog park/fetch runs are part of the day

Groceries: typically ~$200/week (annualized ~$11,000/year for family of four)
One larger grocery run (restocking deep freezer + snacks for kids’ classes): $224.32 (transcription shows “$24,328,” likely $224.32)
Meal delivery (HelloFresh)
- 3 family meals = $66.93 total for the week ($22.31/meal)

Subscriptions total: $349/month ≈ $87/week
Includes (as listed):
- phone bill, Hulu, Disney, HBO Max, Netflix, YouTube Premium, Spotify
- Notion, Canva, Epidemic Sound, Descript, Cap Cut, Monarch Money

Transit example (dentist commute): $2.85 train fare
Ride examples
- Ride to bar class: $17
- Bar class monthly pricing: $28.50 (normally $35/class)
- Ride home: $22.50 (transcribed as “2250,” likely $22.50)
Car rides to school example: $13.74

Pet expenses (overall): ~$269/week (transcription context suggests it may include insurance + food + supplies/sitters)
Pets described: 3 big dogs + 1 cat
Pet insurance: ~$600/month ≈ $150/week
- Example: $1,000 vet bill → $800 reimbursed via Monarch app
Food & other costs mentioned
- Dog food: ~$150/month
- Preventatives (flea/tick) + pet sitter when traveling

Ice skating (two kids)
- $310 per semester per kid per class
- $100/hour private lessons per kid
Swim lessons: $50/week per kid
Math class once per week: $270 per semester
Note on education as a “fixed cost” decision
- Kids’ education cost is described as higher than the mortgage
- Family chose it after weighing pros/cons vs public school

Core approach: “Pretend the money isn’t there.”
- Paychecks: auto-transfer to
  - 529 plans
  - 401(k)s (with employer match)
  - backdoor Roth IRA
  - other investments (ETFs + individual stocks)
- Automatically pay off debt so there’s no statement balance
- Spend discretion is funded after investing/retirement/debt priorities
0.01% rule (from a book referenced)
- Incremental spending is less stressful if daily cost is < 0.01% of net worth
Luxury framing
- They only indulge in extras after major financial priorities are handled
- They emphasize adjusting as circumstances change

Quint clothing brand
- Tops/jeans described as “luxury quality at more affordable prices”
- Jeans: $50 (compared to competitors around $150)
- Cashmere sweaters referenced: $50
- Mentions: factory-direct process to keep costs down

Dog 9th birthday treats/toys/food: $16.68
Ice skating day completed: added to kid activity totals (details above)
Amazon order total: $213.73
- Includes: cleaning supplies, coffee filters, kids Tylenol/Motrin refill, USB adapter for SD card, salt tabs for running, lint rollers

Locations: San Francisco (commutes around the city; downtown dentist), Los Angeles Marathon (training goal)
Stores/services/products: Trader Joe’s, HelloFresh, Amazon, Monarch app (vet reimbursement shown)
Brand mentioned: Quint (jeans, tops, cashmere)
Key referenced speaker/author: “Wealth Ladder” (for the 0.01% rule; financial concept source mentioned by the narrator)