Oh my. So, $2,800 x 26 paychecks is $72,800 take-home.

I know SF is an outrageously expensive area. Without extra income, you're probably looking at several years to dig yourself out of that hole. The best piece of advice I can get is to do whatever it takes to earn more money and spend less. I know that sounds like a "duh", but it's really important that you get on a written budget, cut out EVERY expense that isn't absolutely critical, earn more money where possible (2nd job, Uber, whatever).

As Dave Ramsey would say, you shouldn't see the inside of a restaurant unless you're working there as your second job.