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IMHO, go in-house. Less stressful and better work-life balance in my experience, but everyone’s different.
Enthusiast
All depends on who is appoving your work. Choose the smarter person.
Mentor
I’m personally ready for a good in-house experience. I see better longevity in that as I get older and better work life balance.
Your decision will come down to whether or not you want to continue doing the agency thing.