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yup, with daycare costs we're technically top 10% and still kinda hand to mouth in a MCOL area.


I think the concept of cost of living areas is out the window. Mortgage and rent may be relatively COL dependent (kinda, but everyone is incentived to even it out nationwide), but for everything else I actually think the competition within big cities/"HCOL areas" drives down prices. In my "LCOL" flyover area I'm seeing $30+ pizza and $18 burgers, along with $10 beers at bars. It's insane.


I live in a—4th tier is selling it short, but 3rd tier seems generous, call it 3.5th tier—city, and am always shocked at how much cheaper good restaurant food, baked goods, et c. are in "real" cities compared to here. Anything non-shit is basically 20-50% more expensive here than in HCOL cities. Makes no sense, these places should have like 1/5 the rent costs and lower labor costs than the major coastal cities, yet, prices are sky-high and quality's often not even that good.

Groceries are about the same price. More expensive for some things, cheaper for others.

Health care's more expensive here, with lower quality, because it's a flyover red state.

HCOL only seems to apply to housing. Everything else is about the same or cheaper in "HCOL" cities. May not hold for other smaller/poorer cities, but very much does for ours.


> In my "LCOL" flyover area I'm seeing $30+ pizza and $18 burgers, along with $10 beers at bars. It's insane.

"$30+ pizza and $18 burgers" doesn't say much when you consider that there's a huge price/quality range between basic and premium offerings. For instance, a $18 waygu beef burger at a gastro pub doesn't seem very out of place at all, but a $18 mcdonalds burger would be outrageously expensive.


That matches my experience. Of places I've spent significant time in the past year, the one with the most reasonably priced food for eating out is NYC, of all places. It has very expensive places too, of course, but a lot more sub-$10 options than anywhere else I've been recently. There are even a few 99-cent pizza slice places still in business (not as many as 10 years ago, but they exist, and $2-3/slice places are abundant).


My savings accounts look wistfully as I spend more on daycare per kid per month than I used to pay for rent not too long ago




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