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You can always leave the lower-paying job when you find something better. What if you don't get a better offer for 6 months, or a year? You need money...and experience on your resume probably won't hurt.
Chief
You’ve got to do what you’ve got to do to survive sometimes. How badly is the financial going to be on you NOW from taking the lower paying job?
Chief
If you need the money, take the lower paying job. You can always change companies after a couple years. You typically get bigger pay bumps by changing companies every few years then if stay at one place for 20 years
Take the job and keep looking and don’t add it to your resume yet