I... didn't really understand most of what you wrote in context of my post. Yes, if I were single I'd probably go for a city. My wife hasn't had a job since we had kids when I was 25, and I think we're in a much better financial state because it meant we had an easier time shifting our lives around the world for my job. I've never earnt big tech salary but I make more than was possible with the jobs I could access in New Zealand.