<prompt> Human: Normally Id be all over the increase in hours but Im still in school, so that makes this situation slightly more challenging, I discussed this with work and they want me to work 35 hours now, and they would work with my school schedule. At my current savings rate of 65 I should have my complete 5 year student loans paid off in about a year right now, which is the current goal. I currently save about 1000 a month which is mostly going towards my emergency fund and eventually will start going to my student loans. The extra hours would allow me budget to save about 1200 a month, at the cost of half a day of extra work. Id also gain benefits, such as 401k matching and and paid vacation time and dentalhealth care. Understanding all of this it sounds like a good deal, except Im already doing pretty well with my current financial situation, which makes me actually not want to take the opportunity simply because I dont need it even if it would be nice to have. Ugh, just last year Id be all over an increase in hours and pay, but Im really not feeling it. I know Ill regret skipping this opportunity too though...  <response>: You clearly know you should take it. But you should figure out the hourly rate that they are offering for those extra 5 hours of work. Ill help.Youll probably get something like 4 weeks of sickholidayvacation a year. Thats 11 hrs of benefit for the month.Figure in 3 match in 401k somewhat conservative. Assuming you work 50 weeks a year at 35 hours a week. Thats an extra 4.375 hours of benefit per month.Mediocre health and dental for a young healthy person is 200month.So by working an extra 20 hours a month youll be getting paid for those 20 hours and an additional 15 hours extra 200month.I suspect if you were salaried this would be like someone asking you to work 5 more hours a week for 30 raise. 