I would apply the baby steps from Dave Ramsey. $1000 in the savings for small emergencies, then apply the rest to your smallest debts until it's gone.

- Are monthly food payments going to go out?

Let’s talk real estate and football ahahah... rams house baby

Food for thought.

San Francisco is a place where elder millennials are having babies and finally realizing renting a room for $1,500 and having 3 roommates when you're pregnant isn't as fun as it was when they were 22 and fresh out of college working at Twitter.  

I have a new baby boy and I would much rather play with him than work on a business or anything else really.

I’m a Project Manager for a major food and beverage company and relocated to the area in July 2018.

This is NOT an exhaustive list and you may see many other interesting ways of identifying target areas out there (e.g. the Starbucks or Whole Foods indicator) so stay curious and keep learning!

I’ve got three takl providers at one of my houses right now while I’m spending time with the baby.

You've got baby them with these sorts of things and be prepared to hear from their parents before you even know about the issue.