1 million is 40.000 dollars per year indefinitely, by the 4% rule, with a small risk of ruin that you'll most likely see coming years in advance.
It should be possible to live in the Bay Area on that, given that the place still has cashiers, cleaning personnel and maintenance workers. It won't be a middle-class lifestyle, but you'd have to make _some_ sacrifices in order to indefinitely work at whatever you want in the most expensive place in the world.
