I'm 25 years old, currently have no debt, except for a credit card that I pay off monthly for points. However, I recently got engaged to a great guy, who is about to graduate PT school at a top program, with around $180,000 worth of student debt. Additionally, the lease on his car is set to expire in the next few months, so we'll be in the market for a replacement. The offer he recently took is paying $65k/year, which is about average for our area. We're also moving in together and planning a wedding, so there are a lot of expensive transitions coming up in our life.
Right now, I'm at a job at a tech company that I absolutely love. It's the stereotypical ping pong tables, N-64, free breakfast and lunch, unlimited time off, and fantastic co-workers. I've only been here for 4 months, after leaving a job I hated, but I love the company. The only downside is that we're finally turning a profit after 9 years, so growth has really stagnated and I'm not sure that advancement is something that is going to happen for at least another year or two. This job currently pays me $35k with quarterly bonus potential putting me right at $42.5k total. There is no 401k match, but I do have some stock options that would mature before we go public that could be a nice bump.
I was recently contacted by a recruiter for a position that is offering me $40k base with quarterly bonus potential that would put me at $56k total. Additionally, they're building this inside sales team from the ground up and want to promote whoever is in this position after 6-12months, which would come with a pay bump that would put me at $60-80k total. I think the opportunity for advancement is real, but I realize that it's all tentative and not a sure thing. However, there frankly is no culture there. I went through a brief phase of depression when I worked at a company that I hated, and I'm terrified of repeating that spell.
I should also mention that due to a layoff, and ending up at a company I hated, I had 3 jobs this past year. If I take the job, I have to stay there for a while.
Considering the debt I'm marrying into, am I stupid to turn down this offer?
Submitted March 15, 2017 at 10:33AM by t-rex0411 http://ift.tt/2na6srI
