On_Mt_Vesuvius

Using nerdwallet cost of living converter, 130k in San Francisco is equivalent to 71k in Orlando (45% lower cost of living). It's still not an apples-to-apples comparison, but I don't think OP is as underpaid as a 130k CA salary seems to suggest, although I dont think this calculator is perfect either.

Unfortunately most programs would require OP to quit job?

From statistical learning theory, there is always some adversarial distribution where the model will fail to generalize... (no free lunch). And isn't generalization about extrapolation beyond the training distribution? So learning the training distribution itself is not generalization.