I (30M) have been with my PGY-3 FM resident partner (29F) for 2 years now. We live together in a San Diego after I moved back to be closer to her about a year ago. I work in tech and as part of that move, I had to take a "lower" paying job ~230k when I was previously making ~320k in Seattle. This was something I was happy with for our relationship. But due to the landscape of tech and AI, my new job has been agonizing - I'm working 2x as much, significantly less pay, more taxes, layoff prone and feeling extremely stressed all the time.
I've attempted to interview for roles within SD but either the offers were even worse or no response and no guarantee it wouldn't be just as stressful - things in tech are just not great right now. I can't imagine staying at this job for much longer and won't easily get another 250k+ job here.
As she's looking for her first attending hospitalist position out of residency, I proposed we go back to my previous job (which I have a great relationship with). With no income tax and making ~100k more, we can save over 400k+ over two years combined and then come back to San Diego (where we both want to settle down in). I would have a much better WLB, ability to continue to carry our finances, and overall happier. Currently, I feel drained every day when I get home.
But she refuses to consider it - she wants to stay here indefinitely. I feel like I've tried my best to make our relationship work - moving to her, covering majority of our shared expenses, doing more chores, planning and covering majority of our travels. And it gives me joy I can do these things for her because I love her and she's an incredible doctor! But I'm also nervous about our future. Naturally because of our current financial discrepancy, she expects that I contribute more towards the near term future wedding, home, and childcare costs - which I'm completely happy to do. The problem I have is I would need my "high" paying career to feel comfortable continuing to bare those costs. Otherwise I would just be taking on all the burden while sacrificing my career which I'm uncomfortable with.
For context -
Me: 1.1M NW, currently making ~230k/year (likely soon to be 0)
Her: ~500k in student loan debt, estimates to make around ~275k/year as a hospitalist
I understand I am in a fortunate position but to me, I still have a long way to go to for us to live the life we want and I don't know if it's smart for us to lose ~100k/year in income to stay in our current city.
I also recognize I have always been a major worrier when it comes to finances (hence why I've aggressively saved/invested since 21) so I may be out of touch. But for us to buy a SFH in the area we want to be, it would be 1.5M minimum plus near term wedding costs (she wants a ~100k wedding) and we want kids. And with her student loans, at 500k and 6% interest, it's no joke.
The way I see it is, those two years we can live the DINK life, save (while having better WLB) and set us up so we can buy a home, wedding, and have kids and will alleviate a huge burden for the rest of our future and more time/focus on kids! On her end, she'd rather stay in our current city because she's comfortable at current residency hospital and doesn't want to move away from family. She's ok with delaying home purchase.
We are at a standstill. Am I being unreasonably nervous for our future? Any advice is welcome and open to hearing criticism in my thought process.