Thank you So Close, your answer is very helpful.
So my 401k contributions should push me down to the 15% tax bracket. I'm set up to start maxing out the 401k, but since I set it up in the middle of the year, I don't know that it'll max this year.
I'll look into doing a case study. I'm sure that would be helpful too.
EDIT: Yes, rents in SF are crazy. Right now I'm saving $ staying with my parents but plan to move out end of winter / early spring. I'm determined to find something affordable!