Just got an offer from a fast-growing oncology startup...small team, cutting-edge science, and a hefty equity package. The catch? It’s a 20% pay cut from my current salary ($165k → $132k), plus less PTO and no 401k match. I’ve been in clinical development for 6 years and always dreamed of being part of something scrappy and mission-driven, but I also have a mortgage and two kids. My heart says “go for it,” but my head says “don’t gamble in this market.” Is it a good move long-term or am I having a grass-is-greener moment?

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Startups sell you dreams and give you burnout. Unless that equity is already worth something today, you’re just taking a pay cut to do 3 jobs at once.

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That’s a big pay cut. I’d try and negotiate

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Don't listen to strangers. If you are a consultant, use your critical thinking skills and discussions with people who matter to you. Both scenarios are a gamble.

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Use common sense and don't brag about having a job if you're willing to give it up . If you're not happy with it, go find something else

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Roth vs Traditional 401k, thoughts?

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If I max out my traditional 401k and have a mortgage interest deduction to against my w-2 taxes does it mean I can pay way less taxes than a average person who makes same amount salary as me?

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Well I went to school and received my Bachelors and Master’s degree in Healthcare Administration. I graduated in 2016 and still have yet been given the opportunity to get into my field. I fill like it was a waste of time what are your thoughts?

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likefunnyuplifting

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