Hi didi, As a native Californian who now resides in Texas the best advice I can give you is if you & your fiancé want to enjoy a peaceful and minimal amount of stress life anywhere in the Bay Area, I highly recommend you be sure to be DEBT FREE!!!! That is the only way you can really enjoy the energy of that place. It is an absolutely wonderful place for young people, but don't let it be a curse to you that you can't enjoy because you have extra bills such as credit cards, student loans, etc. That's awesome you guys are selling your cars and going to use public transit. That's is actually the best way to navigate the city. Cost of living is a beast there, make no mistake about it. The energy there is also wonderful and there are times I do miss it but I'm at a different stage in my life now. Anyway, if at all possible, get your NP before you make that move, that just makes you more marketable. Eliminate any and all debt you guys have while here in Texas, trust me, you'll be glad you did. There's nothing worse than living in a place that has so many things to do and experience but you can't because you're held hostage by debt. Read Dave Ramsey's The Total Money Makeover and you'll really understand why you and your fiancé want to take and make the right steps and prepare for your move to Cali with the minimal amount of stress and especially financial stress. I wish you guys all the best. Enjoy the experience while you can.