> let's say between ~$150-180k > even at that income I'm saving very, very little living in a HCOL and high tax city Not the answer you want to hear but the problem is your spending. I have no idea what your life is like, but I was able to safe comfortably making 100K living in SF. Keep in mind the median HOUSEHOLD income in NYC is 67K.
https://usafacts.org/data/topics/economy/jobs-and-income/job...
https://fred.stlouisfed.org/series/MEHOINUSA672N
For 2021, the median household income in the entire United States was above $67k, at ~$70k. And the median rent in Manhattan is allegedly $4k (https://www.nytimes.com/2022/06/09/realestate/manhattan-rent...) (and the average is allegedly $5k, https://www.curbed.com/2022/08/new-york-rents-july-record-hi...), which renders a ~$150k income much less comfortable.