SALARY: $160,000 (without bonus)

Taxes: $34,847 (federal single filer);

$12,367 (state)

Student loan payments: $13,200 per year

Annual rent: $30,000 (Russian Hill one bedroom)

BMW 328 sedan lease: $8,400 per year

Dining: $31,200 (dinner for two four times a week at Slanted Door)

Booze: $5,200