Offered a new position.....

Quit em both and start picking MLB games @ 59 percent.

I agree here.  Not having insurance for your family is a potentially devastating proposition. Especially for 3K more. 

tuf one for sure. i see why youre struggling. little story for ya that may help if you dont mind reading all my bs dribble...

it was a different businees world then (late 80s) and industry (grocery) but my pops was in similar shoes about what to do with job and family and dealing with small comp vs big comp back in the day at 33 yrs old and a small family. it was a tuf call for him but ended up going with the private small family owned food broker firm and started his exec life over in a new kinda job but same industry. it was the greatest decision he ever made.

pops new he felt confident in the company and more importantly the ppl in charge. first company he was with was a grocery store that got bought out by big chain where he wud commute to. and then just like that, one day someone told him about switching sales jobs to being a food broker and come check out this family owned business 30 miles away in the bay area. 

my pops bought a new home 10 mi from where wrk would be in the east bay suburbs, took a 800 dollar a month salary cut initially with a wife and two little sons, bit his lip for 6 mths staying at his mother in laws home with us cause our old house sold quick and other one wasnt ready yet, and set sail on a whole new journey for his family...best f*ckin decision of his life and ours..

within a few yrs he was the best there and nationally recognized for his skills. back to back national awards. more importantly there was a family feel to the company. i loved the place. also, like youre struggling with, my dad had so much more time for what he cherished, his family. my pops was cyo bball coach and there for all highschool games for my bro and i and all the sh*t in between.

the old man felt confident the small company he was moving on to was gonna succeed. he felt confident he could succeed there as well and so the sacrifice was worth the so called gamble. thus your debate... how confident do you feel in each aspect? the company pops left for eventually got to damn good a decade plus later and the family sold itself off to the big boys. company name has changed three times since "merger." funny sh*t. pops became just a number as he called it...a known number in the game, but still not the same as before. all good tho, hes about to retire next yr and move off to palm springs and has been basicly with the "same company" for over 20 yrs now.

best damn pops in the world along with my momz.

...and i know hed say this to you in your decision making...its all about how confident you feel in the small company and its leadership and how important all the little things with family are to you. dont force the situation. but always strive for what you want. everything else will take care of itself.

  j

It's a no brainer.  Take the $63K job.

For starters, you'll be spending about $700 - $800 less in gas money each year because you'll be traveling 20 miles less each day. Who wouldn't want to use an extra $700?

The smaller company of 25 employees will less likely lay you off as opposed to the bigger company.  Job security is key.

Regardless if you're married wth kids or single, who the heck would want to work on weekends and holidays?

Who wants to deal with corporate red tape and bureaucracy?  You'll be less likely to deal with that in a smaller company.

If buildng a good workng relationship with your boss is important, then go with the smaller company. Your boss will have more time to work with you and attend to your needs and concerns.

The only downside to your new job is the lack of benefits.  I can't believe any company wouldn't offer their employees any benefits, unless you're a contractor.  Are you working as a contractor?

Having said that, the extra $3k will make up for the lack of benefits, so you'll break even.    GL with whatever you decide.

I agree with everything you said here except the highlighted part.

3k will not even come remotely close to breaking even for health, dental, vision (whatever else benefits he currently has) for a family.  This does not mention the 401K match that I assume that he is currently getting (probably around 3 - 6% match) from the company that is free money and will grow over time due to compounding interest. 

Either way it is a tough decision but none the less he has a decision which is enviable for lots of people right now.