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Leaving the agency side too early will cap your career growth.
I think it depends what your goal is and where you go in-house. Not everyone wants to be a group creative lead. And there are some in-house creative departments where the level of craft matches the best agencies out there.
My advice is to identify a few people who are in positions you might like to be in and look at how they got there.
In house is a lot more political and in many places is not better pay. But can’t speak for your type of work
Sticking with an agency can have some attractions, though they might not be for everyone. There's going to be a lot of variety, you can wind up working on any number of things. You're always learning things. And pro bono projects can be personally gratifying. Some people actually like pitching and landing new business. And depending on the circumstances, there can be satisfaction in seeing your work take shape and get out in the wild. Again, these are things that some people might find disruptive or chaotic, but some people thrive on that kind of action.
As mentioned above, you might get an initial pay bump going in house if you have junior experience. If you are more senior, agencies will always pay more. However, going in house has a different level of politics and corporate BS than agencies and in some cases can provide a different level of job security.
Pros and cons depending on your long term goals. I’ve known people that stayed agency side their whole career and loved every bit of it, known people that couldn't wait to get out of and then also loved getting in-house. If you find something with better pay and conditions for you, then always go for it.
I’d get bored
+ more practically speaking I’m afraid of any one boss holding all the cards on my income/future prospects.
I’m an elder millennial so I got laid off twice early on in my career after graduating into a tough market (a lot like this current one actually!) - I think that sort of thing sticks with you long term.
Agency work and/or freelance/consulting lets one move around a lot more freely between projects or industries. I feel like my in house friends end up a lot more “stuck” or stagnant - it can be good if it’s a good role, but tough if it’s less pleasant or you get laid off because quarterly earnings were looking bad.