Better yet - don't move to Silly Valley in the first place.
There's lots of places (Austin, Portland, Phoenix, Salt Lake City, Southern Florida, Chicago, Atlanta, etc) where you can find lots of quite decent tech jobs. They don't pay a glamorous salary and don't have pre-IPO stock options per se, but the cost of living won't break your financial back. As a bonus, you don't have to put up with snobby California politics, people, etc. ;)
Also of note, many big-name corps (e.g. Intel) have offices, labs, etc in out-of-the-Valley places (Intel has fabs and sites in Chandler, AZ and Hillsboro, OR, among others.)