<prompt> Human: Where I am now: I currently work in an ad agency making 45,000 a year. I am paying 1,080 for rent and maxing out my roth IRA. My current job does provide benefits, but no 401K. However I am still on my parents insurance plan and probably will be until I am 26, because it is a really great plan. Why I am considering a change: I have fallen out of love with my current job been here 2 years, particularly our vacation policies didnt get off for Christmas, etc. and I dont see myself growing here past my current role. I know this is typical millennial thinking, but Ive been dreaming of finding a place to work where I can work from home occasionally and at a place with a less traditional culture and a more open and flexible vacation policy that work with their employees. New Opportunity: This new job is a small family owned business and I would become their video and photography content curator for their website and social media. Making 40,000 a year. I am going in for an interview soon and will hopefully find more details. Pros: more worklife flexibility, I am a huge nature lover and sitting at a desk is slowly killing me and this job would involve being around animals and outside a ton Cons: It adds about 1520 mins to my commute and there will be a pay cut.Is moving out of the advertising industry into such a niche small company stupid? Or does my young age make it a good time to take a risk? Just looking for some advice on if it is a good idea at all and suggestions when negotiating and talking details with them.Assistant: It would be a great time to take a pay cut to move into a role that had more upside potential than your current job. It sounds like the new job has no advancement potential at all. Is the commute an extra 1520 min round trip or each way? If it is each way, youre giving up an extra 3.5 hours per week to your commuting life. Does the new job offer any benefits? If not, do you plan to leave before you get dropped from your parents insurance? If you take the new job and stay for more than 3 years, what will you do for insurance? does my young age make it a good time to take a risk?The key to risk taking is comparing the potential upside with the potential downside. Youth is a great time to take risks because you have a lifetime to recover from the downside. In my opinion, the upside isnt there to justify the risk. Human: This right here. You mention benefits, and holiday time. A small family business will likely not give you what youre getting now. So, on top of the pretty manageable 5k downgrade, extra expenses for travel, the fact that you will most likely have no upward mobility, and the above, youre looking at giving up more than you think.If you really think itll make you happy, go for it, but think about it real hard first. If youre unhappy with the job you have now, you can still look around for something more comparable that will make you happy.Assistant: totally, I should have mentioned in my orginial post that the ad agency im working for is also a small family run business, with about 25 employees. and I am hoping to negotiate the travel expenses by working from home 2-3 time a week, definitely will have to see what they say.  <response>: Ahh. That makes a big difference. 