I'm gonna say what everybody else already said with the added bonus of a harsh reality check.
Regardless of the expensive area you've chosen to live in, there is no excuse for you to not be able to survive 3 months without income. Love her or hate her, Suze Orman would be tearing you to shreds if you asked her this question, so i'm going to do so by proxy.
There are people out there that have to feed a family of 3 on $25,000 a year. They have to spend every dime they make on a place to live and food - and for that reason its somewhat acceptable if they're having difficulty saving a cash cushion, they'd have to be REALLY thrifty and still not really make it.
Meanwhile, a rough estimate of your income after taxes means you're probably taking $100-$125,000 a year home. With that level of cash in your pocket, you'd have to be snorting cocaine with $100 bills and then wiping your ass with it to not have more than a 3 month cushion after even just a couple years of employment.
You should be glad that you're making enough that you don't ACTUALLY have to worry about food or shelter. Not making the mortgage payment on your $600k mcmansion does not classify as "worrying about shelter" because it was your choice to overdo it.
Once you break through the median family income, your goal should be to save as much as possible, not to spend it all and have nothing to show for it.
You need to, right now, go to a retirement investtent web site such as Vanguard.com, open an account, and start putting 25% paycheck in it until you have a years worth of income saved up, then you can drop that back to 10-15% or so. If you do this, you basically won't ever have to worry about money again.
Yes, you won't be able to buy a new BMW 5 series every 2 years, no, you won't be able to move out of that $600,000 crapshack and into a million dollar crapshack in 5 years. But for the love of god, don't openly worry about your finances when you make over $200k a year! You have a spending problem, not an earning problem.