• When Victoria Lamson's son was 10 months old, she took him on a trip to Ireland, the UK, and France.
• She and her husband planned ahead, investing in a sturdy stroller and calling hotels in advance.
• For the most part, they felt Europe was more child-friendly than the US.

When my husband and I first announced that we were bringing our 10-month-old son with us on a two-week European vacation, we got very mixed reviews.

Some friends and family said our timing was perfect: Deacon wasn't walking or talking yet, so it'd be easier to travel with him. Others thought it was a big mistake. Lugging around a stroller and dealing with tantrums — all while navigating unfamiliar cities — seemed miserable to them. Plus, they told us, Deacon would be too young to remember any of it. What was the point?

But even before I became pregnant, Mike and I agreed that we didn't want to isolate ourselves like so many newborn parents do. While we didn't know what to expect with our first child, we wanted to include him in our normal travel plans rather than living a strictly child-focused lifestyle.

We started small. One of our first excursions was a road trip from our home in San Francisco to visit family in LA when Deacon was two months old. As he got a little older, we saw that Deacon is a very chill individual. He rarely fussed and easily napped in his stroller.

So in 2019, we planned a trip to Ireland, the UK, and France. While it required a little more planning and was slower-paced than vacations before parenthood, it became one of our favorite ones.

A little prep made the trip smoother

When we went on our LA road trip, we invested in a Babyzen Yoyo stroller, made by a French brand. While it cost around $450, which is on the pricey end, it was worth it: it smoothly rolls over cobblestone streets and easily fits into an overhead bin. Six years later, we still use it with our second baby.

To set us up for success, I called some services in advance. Most long-haul flights offer limited bassinets for babies in rows with extra space, but those seats usually need to be reserved ahead of time. I also reached out to our hotels to make sure they had cribs they could bring out, and a car service in Dublin — our first destination — provided us with a car seat suitable for an infant.

The only unexpected snag was using my breast pump abroad. Because Deacon was older and already eating solid foods, my milk supply was lower and I didn't really need the pump as much. Still, as a first-time mom, I brought it because it's recommended by pediatricians to continue pumping for a full year and I wanted to do everything right.

I had a European outlet adapter, but I forgot about the wattage differences. When I plugged the pump in, it got completely fried. Luckily, I had Deacon with me for those few weeks and could make more stops to breastfeed him.

Europe was more child-friendly than home

Overall, Europe was very kid-friendly. London was easy to stroll through and full of parks we could stop at with Deacon.

We also didn't feel out of place bringing a baby to an Irish pub, even on St. Patrick's Day. Culturally, it's more of a norm to bring kids to bars and other "adult" spaces in Europe than it is in the US.

Out of everywhere we went, Paris was the hardest place to navigate; due to the city's style of architecture, we had to climb spiral staircases in bistros and brasseries when changing diapers. Still, the culture made us feel welcome. Our hotel surprised us with a beautiful crib and a teddy bear for Deacon.

It was such a stark difference from San Francisco. More often than not, there isn't a changing table in the bathroom. And when you can find one, it's only in the women's restroom, as if it's not also a father's responsibility to care for his child.

In contrast, we went to a very old restaurant in a small Irish seaside town. When I walked into the tiny bathroom, I was surprised to find fold-away changing tables in all the stalls.

Europe's positive attitude toward children and families is such a big draw. Even slight accommodations make such a huge difference when we travel.

We did everything we wanted

The experience taught us that we don't have to put our lives on hold with kids. When Deacon got sleepy on the trip, we just bundled him up in his stroller and used the opportunity to relax at a cafe.

After Europe, we went to a family timeshare in Tulum, Mexico at the end of 2019 — another wonderful vacation. In 2022, we took Deacon with us on a road trip around Atlanta, Savannah, and Charleston.

While it's tougher to travel with two kids now — our 17-month-old daughter is less easygoing than Deacon was at that age — we still take staycations and go out with our children.

Looking back, going to Europe was more fun because Deacon was with us, not in spite of it. It felt so special to have him with us, and we'll always hold on to those memories of early parenthood very fondly.

• Waymo One's robotaxis could threaten Uber and Lyft drivers' earnings if they get access to airports.
• Airport rides are among the most profitable trips for human drivers.
• Waymo One is offering airport trips in Phoenix and is awaiting approval in other markets.

If Waymo One's robotaxis continue expanding to airports, human ride-hailing drivers could see their incomes take a big hit.

Airport trips are "incredibly important" for ride-hailing drivers, particularly those who work near cities with major airports, said Lindsey Cameron, an assistant professor of management — whose research focuses on AI and gig work — at Wharton School of the University of Pennsylvania. She added that airport pickups can be especially profitable because those rides often have higher fares, which are driven by strong customer demand.

"Those are the most lucrative rides," she said. "You've got a captive audience who wants to go home, and so they're willing to pay."

Many Uber and Lyft drivers have told BI their gigs are already less profitable than they were a few years ago — due, in part, to an increase in competition from both human and robot drivers. The threat of robotaxis further chipping away at their business has put some of them on edge.

Nicole Moore, a part-time Lyft driver and the president of the driver advocacy group Rideshare Drivers United, said that in the last couple of weeks, she's seen a significant uptick in concern from LA-based drivers about the impacts of robotaxis on their earnings. In November, Waymo One began offering rides to anyone in Los Angeles after previously operating a limited service with a waitlist.

"You put more drivers on the street — whether they're robot drivers or people — everybody makes less money," she said, adding, "We're thankful they're not in the airport yet."

Waymo One, which is owned by Alphabet, is the only company operating autonomous vehicles at US airports, Waymo told BI. It's also the biggest autonomous taxi service in the US: In October, the company said it was providing more than 150,000 weekly paid rides in Los Angeles, San Francisco, and Phoenix. Additionally, the company announced this fall it will offer rides to the public in the Atlanta and Austin markets early next year and in Miami in 2026.

While Waymo One airport trips are available in Phoenix —and the company has approval to begin pilot testing at the Austin airport — robotaxis are still restricted from airports in Los Angeles and San Francisco. In these cities, approval for airport rides would come from groups that oversee the airports' operations.

The experts BI spoke to said it's unclear if and when robotaxis will receive widespread approval for airport trips in the markets they're operating.

Spokespeople for Los Angeles World Airports and the Airport Commission for San Francisco International Airport told BI there is no estimated timeline for when Waymo One will receive approval, but the groups are monitoring the robotaxi's progress.

The LAWA spokesperson said the airport can experience significant curbside congestion and that for driverless taxis to gain airport approval, they would need to operate safely and efficiently and not impact the airport's current commercial and private vehicle operations. The Airport Commission spokesperson said driverless taxis would need to demonstrate the ability to operate on freeways and in communities near the airport and ensure they could safely meet the needs of customers.

Waymo is pushing for airport expansion in the US

Waymo told BI that it's providing thousands of trips each week to and from Phoenix Sky Harbor International Airport, the most popular destination for its riders in the city. The company also said it's in active discussions with San Francisco International Airport and Los Angeles International Airport about expanding its fleet to these airports, but didn't give BI a timeline for when it expects to receive approvals.

The company added that it was granted approval to provide robotaxi trips on freeways in San Francisco, Los Angeles, Phoenix, and Austin, but that it hasn't begun offering those rides to the public yet: Access to these trips is currently limited to Waymo's employees in San Francisco and Phoenix.

A spokesperson for Austin-Bergstrom International Airport told BI that the airport would monitor Waymo One's pilot testing before deciding whether to approve airport pickups.

Uber did not respond to Business Insider's request for comment, and Lyft said that its drivers have generally earned more on airport trips than on non-airport trips.

It's not just drivers who are feeling the pinch from Waymo One's expansions. GM announced on December 11 that it was retreating from the robotaxi business "given the considerable time and resources that would be needed to scale the business, along with an increasingly competitive robotaxi market."

Meanwhile, on December 5, shares of Uber and Lyft traded lower after Waymo announced it was expanding to Miami.

To be sure, Waymo isn't the only company rolling out robotaxis: Tesla and the Amazon-owned Zoox are also developing their own versions of a robotaxi.

Airport trips are some drivers' 'bread and butter'

Moore said that airport trips aren't as profitable for drivers as they used to be, but that they remain important.

"They have been our bread and butter for many, many years," she said.

Jason D., a 50-year-old driver in Phoenix, told BI he does more airport trips than any other type of ride — in part because he drives an Uber XL vehicle that has the space for luggage and multiple passengers. He said competing with Waymo One at airports and elsewhere has hurt his earnings.

"Driverless taxis are flooding an already competitive Phoenix market and taking money from human drivers," Jason D, who drives full-time for Uber and asked that his last name not be included for fear of professional repercussions, previously told BI. He added that Waymo One's cars also contribute to significant congestion at the airport because they don't know how to follow traffic officers' hand and voice commands.

Sergio Avedian, a part-time Uber and Lyft driver based in the Los Angeles area and senior contributor to the gig-driver-advocacy blog and YouTube channel The Rideshare Guy, told BI that airport drop-offs tend to be quick, pay relatively well, and often come with a tip.

In comparison, doing airport pickups can require drivers at major airports to wait in designated lots until a passenger books a ride. Avedian said this process can be frustrating, but that airport pickups often pay better than drop-offs because the fares are higher — which is why some drivers think they're worth the wait.

"You have a chance of maybe catching a 'unicorn,'" he said, referring to the highest-paying trips. He added that many airport riders are business travelers who can expense their trips and are therefore less likely to balk at a high fare or not tip.

While robotaxis are already operating in the LA market, Avedian isn't overly concerned about robotaxis impact on drivers' earnings in the short term. But he knows the clock is ticking.

"Long-term, definitely it's going to be a threat, and that's why we suggest everybody not treat Uber and Lyft driving as a career," he previously told BI.

If more airports approve robotaxis, Moore said she hopes riders will value the customer service humans provide.

"Customers often expect you to put their luggage in the trunk — is the robotaxi going to do that?"

We want to hear from you. Do you work in the gig economy? Please fill out this form.

Correction: December 13, 2024 — An earlier version of this story misstated the number of weekly paid rides Waymo provided. It was more than 150,000, not 100,000.

• FIRE blogger Andre Nader and his wife have been working toward early retirement for years.
• When they were both working full-time in tech, they lived off of one income and saved the other.
• Nader broke down their household budget from March 2023 to February 2024.

When Andre Nader sat down to calculate his "enough number" — the amount of money that would allow him to never have to earn another dollar and give him the option to retire early — the first thing he did was analyze his spending.

From there, he could work backward and estimate how much he'd need to sustain his family of three's lifestyle in retirement.

Members of the FIRE (financial independence, retire early) community typically use the "4% rule," which suggests that you can safely withdraw 4% annually from your nest egg. For example, if you retire with $1 million, you should be able to withdraw $40,000 from your retirement funds each year without running out of money. To figure out your number using this rule, you simply multiply your annual spending by 25. Nader prefers to use a more conservative 3% safe withdrawal rate, which you can calculate by multiplying your annual number by 33.33.

He and his wife, who works as a designer for Uber, had been preparing to retire early together. They were on track to do so until Nader was affected by Meta's 2023 layoffs. The couple had enough between their savings and one tech income that Nader didn't have to find another job, but he says he'll consider himself "semi-FIRE'd" until his wife also walks away from her job.

They built a seven-figure net worth thanks to a variety of factors, including high incomes — "I won the income game by being in tech, by being a dual-income household," said Nader — but they've also been disciplined savers and investors.

Nader, who describes himself as "naturally frugal," said that he and his wife always kept their expenses low enough so that just one of their tech incomes could cover all of their household expenses. This allowed them to invest about half of their combined income in low-cost index funds.

Between March 20203 and February 2024, the family of three residing in San Francisco kept their annual expenses around $140,000.

Nader, who writes about financial independence on his Substack, FAANG FIRE, broke down his family's annual budget:

Housing: $60,000 a year ($5,000 a month). The biggest chunk of their budget (42%) goes toward rent. "Running the numbers for my personal situation, I have never been able to make home ownership pencil in within San Francisco," he wrote on his blog.

Shopping and personal: $21,473 a year ($1,789 a month).

Children: $18,136 a year ($1,511 a month). This spending category, which includes education, childcare, activities, and necessities like clothing, decreased significantly after Nader's daughter graduated from preschool and started at public school as a kindergartner.

He broke down the costs within this spending category between March 2023 and February 2024 in a separate chart.

Food: $16,284 a year ($1,357 a month).

Travel and vacations: $10,443 a year ($870 a month). Now that his daughter is getting older and travel is more manageable, Nader says he's intentionally trying to increase spending in this category.

Bills and utilities: $6,241 a year ($520 a month).

Health and wellness: $5,363 a year ($447 a month).

Transportation: $2,741 a year ($228 a month). Nader and his wife share one fully paid-off car. They also are on a pre-paid maintenance plan for the next four years.

Miscellaneous: $1,201 a year ($100 a month.)

Increasing his budget heading into 2025

After being laid off in 2023, Nader is hyper-aware that life happens, and his expenses and circumstances will continue to change.

His spending has already increased since he ran his numbers in early 2024. Most notably, his family moved so that they could be within walking distance of their daughter's school. The move bumped his rent from $5,000 a month to $8,000.

He's thinking about 2025 as an experimental year and is doing some "boundary testing" on their spending, particularly while his wife is still working.

"It's much easier to increase spend while someone in your house is working, so right now, we're like, 'Hey, what would it be like if we did live in a single-family home in San Francisco? Is that the life that we want?'" he said.

His spending philosophy has shifted after reading Bill Perkins' "Die With Zero," he added.

The book was "a good counter for me," he said. "I'm naturally frugal and naturally live within spreadsheets. 'Die With Zero' forced me to think about experiences more in the same way that I think about my finances: Just like my finances can compound, life experiences can also compound. That led me to prioritize travel to a higher degree."

Nader doesn't want to sacrifice a certain quality of life or experiences in his pursuit of FIRE. He recognizes that what he and his family value will shift over time, which is why he periodically revisits his spending and "enough number."

"What 'enough' is in 2022 ended up being different than what I thought 'enough' would be in 2024," he said. "I realized that I did want to spend more in certain places, so I explicitly forced myself to spend more on things like travel. I realized I was unnecessarily saving more than I needed to, and I wasn't spending in a way that was bringing me happiness."

• Mike Manalac has worked in the tech hubs of San Francisco, Silicon Valley, and Chicago since 2016.
• He says each place has its strengths, but Chicago is the best place for raising a family.
• Chicago offers Manalac and his family the perfect balance career, affordability, and family life.

This as-told-to essay is based on a conversation with Mike Manalac, a 39-year-old accounting manager at Google. It's been edited for length and clarity.

Over the past eight years, I've worked in the tech scenes of San Francisco, Silicon Valley, and Chicago. The three places couldn't be more different in terms of lifestyle, and they've each appealed to me for different reasons.

Here's how the three places compare:

San Francisco is fun but not for the faint of heart

I moved to San Francisco in 2016 to pursue world-class career opportunities and adventure. I'd spent the past eight years as an audit manager in Baltimore and the cross-country move was a big change for me.

As someone with ambitious career goals, San Francisco was the mecca of opportunity, so I joined PwC to get closer to Bay Area tech jobs. Some of the world's most innovative companies were basically next door, and their corporate headquarters lined the city's blocks like Lego bricks.

I once interviewed at Salesforce's headquarters while on my lunch break since it was only a few blocks away from PwC. When doing phone screens for Uber, Twitter, and Dolby, I knew I'd be able to walk over to their offices for an on-site interview at a moment's notice.

As a young professional with limited life responsibilities, San Francisco turned out to be the perfect place to live fast and loose. The social scene was amazing — a night out for drinks could mean stopping by a speakeasy with no sign, sipping a mai tai on a floating tiki bar, or drinks served from a bathtub at a bar the size of a walk-in closet.

San Francisco also has the best park scene in the country; I've yet to find a better party than a regular Saturday afternoon at Dolores Park.

It's also a walkable city. For the first time in my adult life, I was car-free. The city was full of trendy coffee shops, unique bars and restaurants, and charming neighborhoods to explore.

But living in San Francisco also isn't for the faint of heart. Outside of coworkers, my then-fiancée (and now wife) and I found it incredibly challenging to make friends; everyone seemed to assign others a level of importance based on where they lived and worked. I also would've needed an absurd amount of wealth to purchase a home and raise a family there.

I felt that the city's biggest blemish, though, was the seedy Tenderloin district, which sits smack dab in the middle of downtown. I had to walk through the neighborhood to catch a corporate shuttle bus to work, and I saw my fair share of sketchy characters and shady dealings at the time.

Silicon Valley's career opportunities were unmatched

Later that year, I started working in Silicon Valley after I joined Walmart's eCommerce division in San Bruno. And the following year, I landed a job as an accounting manager at Google's Sunnyvale campus.

Silicon Valley offers the coolest places to work and its career opportunities are unmatched. I was amazed by the sprawling corporate campuses. Walking through Facebook's invite-only campus, which is like a walled garden city, and down its main street, Hacker Way, I was in awe. In nearby Mountain View, I couldn't believe how nearly every building in the city was branded with Google's logo.

I saw corporate buses and colorful bikes whizzing around and young professionals with corporate badges on their hips and branded backpacks on their backs.

While Silicon Valley may be the tech capital of the world, I'd never live there. For one thing, I couldn't afford it; the cookie-cutter neighborhoods of Silicon Valley are reserved for millionaires and the hillside mansions for billionaires. I, on the other hand, commuted from San Francisco via corporate shuttle bus.

But I wouldn't have wanted to live there anyway. The social scene was dead, the city wasn't walkable, and the nightlife was nonexistent. Nobody I knew went to happy hour after work, restaurants closed early, and most people only lived there because of the proximity to work.

Chicago has a down-to-earth social scene and affordable, family-friendly neighborhoods

I moved to Chicago with my wife in 2019, transferring to Google's Chicago office. The cost of living in Chicago was much cheaper, my commute would be shorter, and we'd be closer to her family in Michigan and mine in Maryland.

Chicago doesn't have the buzzy tech scene or beautiful weather of San Francisco and Silicon Valley, but it's no slouch when it comes to career opportunities. More Fortune 500 companies are headquartered in Chicago than in almost every other city in the US, and the job opportunities are much more diverse than what you'll find in the tech-centric San Francisco and Silicon Valley.

From Google's office in Chicago's West Loop, I can see McDonald's global headquarters down the street and a number of other premier employers dotting the city skyline.

Chicago is a city that likes to party, making San Francisco look sleepy by comparison. Bars don't close until 2 a.m., with some staying open until 4 a.m. Chicago's Lake Michigan beach scene is much livelier than that of San Francisco. But the social scene also has a down-to-earth vibe; people are Midwest nice and seem to live at a more casual pace.

The best part about Chicago is the moderate cost of living. I was able to afford a three-unit home with rental potential in Chicago for $830,000 — a price I'd never find in San Francisco — that's in a walkable neighborhood. It's the perfect blend of family-friendly city life. Our three-year-old son loves taking the train home from daycare and running wild at one of the city's many playgrounds.

I think Chicago is the best of the three places to start a family

After working in these three awesome places, I've realized that even the best cities have their flaws.

San Francisco has the coolest social scene and overall vibe, but it's one of the worst cities for settling down because of its high costs.

Silicon Valley offers the best career opportunities, but its social scene is lacking since everything there is about work, work, work.

Chicago is the best of the three locations to start a family due to its affordability and comfortable pace of life, but it's not quite as cool as San Francisco and can't match the career opportunities offered in Silicon Valley.

Overall, though, it's hard to beat Chicago's mix of career opportunities, vibrant social scene, and opportunities to start a family.

If you've moved around for work and would like to share your experiences of different cities, email Jane Zhang at [email protected].