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I would go with the $90k job. That extra income will allow you the chance to live on your own (studio) and be able to afford some of the nicer things that NYC has to offer. Will also give you chance to pay off some debt.
If the answer is no....
I would go with the second gig. $65K is not a whole lot in NYC. About $3000 a month take home. With little to no debt you should easily be able to put $1400-$1500 towards studio, put away a few hundred in savings, and have money to enjoy the city.
You want the job that will allow you to have money to enjoy the city, pay off debt, and save each month.
Whichever job will allow you to do all three is the one that I would go with.
I would go with the $90k job. That extra income will allow you the chance to live on your own (studio) and be able to afford some of the nicer things that NYC has to offer. Will also give you chance to pay off some debt.
If the answer is no....
I would go with the second gig. $65K is not a whole lot in NYC. About $3000 a month take home. With little to no debt you should easily be able to put $1400-$1500 towards studio, put away a few hundred in savings, and have money to enjoy the city.
You want the job that will allow you to have money to enjoy the city, pay off debt, and save each month.
Whichever job will allow you to do all three is the one that I would go with.
Given these offers in the NYC area, my guess is that the OP doesn't have a degree. Thus, no student loan.
Job A would be a dream job for me. I've never made close to that kind of money. I'd live on 12K of it for a year and then pay cash for my little retirement cabin in a local rural county.
I value my time and health more than money and I don't need a lot to be happy.
A lot will depend on your financial needs and the lifestyle that you desire. I would prefer a low stress job, so, all other things being equal, I would prefer Job A. Have you tried to see if Job A could offer you a higher salary? It's unlikely that they would offer you as much as Job B, but they might be able to offer you more if they really want you and know that you have another offer. A less likely scenario would be Job B offering you more vacation time, especially if it's a higher stress job. Failing either of those options, if you prefer the low stress and extra time off that Job A offers, are you able to live on $65,000? If so, ten go with Job A. Otherwise, you may be stuck with Job B. Are you young and single and supporting only yourself? Or are you older and supporting a family?
Also, are you somebody who travels a lot and/or has family that lives far away that would make the extra vacation time that Job A offers to be valuable? And, whichever holidays Job A offers that B does not: are those holidays important to you?
One other factor would be the commute from where you live. Which job has a shorter commute? In my opinion, that is even more important in determining quality of life than the vacation time or holidays would be. Remember, you have to commute to work every day that you are working, whereas vacation days and holidays are a relatively small number of days per year.
Also, what is your overall opinion of the two companies? It sounds to me like Job B is not very employee friendly: they only close for the 6 major holidays per year (sounds like not even the Friday after Thanksgiving, which I'd see as a red flag), they offer a very minimal amount of vacation time, and only 3 sick days per year. My current job gives no sick time at all, but they are generous with vacation time, personal time, and paid holidays, so it's not the end of the world if I have to waste a vacation or personal day when I'm sick, but in your case, with Job B, with very minimal vacation time and holidays, 3 sick days per year sounds very low. I'd be concerned about how they treat employees in general. It does not sound like a company that values work-life balance, if that's what you're into.
Furthermore, is your overall goal to find a work-life balance, or to climb the corporate ladder?
Again, which choice you make really depends on a lot of factors which we don't know about: does the local cost of living and your lifestyle allow you to live on $65,000 per year? Can you negotiate more money from Job A? Are you single or are you supporting a family? Do you travel a lot? Do you have out of town relatives? How old are you? How important are the holidays that only Job A offers? Which job has a shorter commute? Which company do you have a better overall opinion of? Are you looking for work-life balance, or to climb the corporate ladder? How important is the low stress of Job A, independent of other factors? Only you can answer those questions.
A would be my choice but that's because I am older and I already had decades of job B.
However for other folks it would depend on where you are in life. Are you debt free and is your home paid for?
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