I handle my money tightly more than it is a financially tough time, though both (plus location) play a part in the efficiency-decision. I also have inheritance and family that would be willing to help in times of emergency, though it'd be time to move out of NYC if I ever had to use either of those factors just to pay the bills. My hope's to find a day-job that will allow me to continue pursuing theatre at night...or a job with flexible hours, whichever.
I've been recommended Brooklyn. Any borough is fine for consideration as long as the odds of me being shanked are slim!
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http://img812.imageshack.us/img812/3492/eponaharr.jpg
Nominate E P O N A.