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Grew up in Northern Cali in the 80's (Santa Clara). We rarely went to San Fran because outside a few places it wasn't all that great. We went to Monterey, Half Moon Bay on the weekends. My Dad moved to the midwest in the 90's because he didn't like what Cali was becoming, but I still love Northern California as far as the ocean towns.

The real rich areas of Northern Cali were Carmel to the South of San Fran and Sausalito which is to the north of San Fran. My Dad was a carpenter and worked on some really expensive homes there. Both places made San Fran look like a shithole.

I would much rather spend a day just going up the Northern Cali coast than spending anytime in San Fran, even when it was nicer. I remember a little town called Trinidad that was closer to Oregon than San Fran that looked like it could be out of a painting.

Cali has probably become too commercialized other than the farther northern coastal cities but I would still love to retire there or Oregon. I don't mind the cold, especially after living in the midwest.