[Kissinger2014]

(08-05-2018 08:23 PM)Unfadable Wrote:  

Thanks for the replies guys. To shed some more light on the subject, and to why this isn't such a no brainer to me:

I work the at type of agency that my pension is as close to a guarantee as you can get these days. Also, my salary will continue to grow and in 10 years my take home could be approximately 125 by the time I am 42 if all goes well. The guarantee is hard to walk away from with 9 years already put in. For your question, brodiaga, if I walk away now I get nothing. A break to test the waters is not an option either.

As I said in the OP, if I wanted walk and retire, the money now option is an easy choice, however, I am trying to plan for a potential family. Right now, my expenses are low. I eat food from the home and ride my bicycle to work. If I were to start a family, I could see that expense increasing 4x, which is where the pension may come into play.

Apologies if this was a bit confusing, thanks for the advice so far.

Unless you work for the U.S. federal government (not a state government), I would not be overly confident that your pension will be there in twenty years -https://www.wsj.com/articles/SB10001424052970204138204576605482876191482

Regardless, unless you love your current job and its work culture (maybe work from home, no stress) but you expect to work 3 times as much in the new gig, just doing the math, it makes no sense to stay at your current job.

Again, if you are being offered a job at $180 K, you must be fairly competent at your work (or slept with the hiring manager ). Even if this new job does not work out, you would still be able to find a job that pays more than what you are currently earning (if not be able to go back to your old job).