Metro North? That's the one you take up to White Plains, that people who live in Westchester and work in the city (like my uncle) take. Or there's always the LIRR: I know it sounds silly, but you naturally get up early enough that you could live somewhere nice on Long Island that's inexpensive because most people think it's too far to commute from. (For example, I think it's pretty inexpensive where Josh and RK live partly because it's out in Suffolk County, but Josh's boss does actually backwards-commute from Manhattan every day.)