No subway. You can afford a modest studio in uptown on $45k. Do I need to explain how life in this city is better for the average person for the 10 thousandth time?
Ego is the only reason anyone with a net worth below $2 million moves to New York. Ego is the only reason banks stay there. Move to Charlotte, increase your profit margin. Why is this concept so difficult for you numb nuts to grasp?