Leaves $1555 for the other stuff
I'm not hurting, but when you consider that I save around $800/month, and the average cost of a house in SF is $735k, it would take 15 years to have enough money for just the 20% down payment in the present, which by then would be probably only 12% of the total cost of the house. Also you have to consider my rent is really cheap as it is rent controlled. Apartment seekers here are faced with 1 bedroom rents of $2000 and up, and 2 bedrooms at $3k or more, if they can even find a place
125k is OK for me. It's not enough for a person who wants to live in the city and have a social life and doesn't want to live with 5 other people in a 1200 sqft place, and who has aspirations of buying a house here.
An Ada exception is when a routine gets in trouble and says 'Beam me up, Scotty'.