Talia, complaining about your company’s leadership publicly is not the right thing to do. I to am 23, live and work professionally in San Francisco. But I have roommates, got rid of my car (biggest expense by far), ride a bicycle, live in an area that is not “hip”, work as a brand ambassador at conventions on the weekends, attend free networking events that also happen to serve food and bear and those shiny credit cards you have been using, I cut them all up and will have them paid off by the end of 2016. We are not our parents generation, gone are the days when a “job” could make you an adult. That’s your responsibility and if you want to live in San Francisco, network with some of the most talented and successful people in the world and accelerate your career by leaps and bounds you must sacrifice, adopt a scrappy attitude, embrace craigslist, goodwill, communal living and a semi-vegetarian diet. Trade-offs are a part of life, learn to make them work in your favor.