<prompt> Human: Im not sure this is the right sub for this, but I also dont know where else to ask. Ive been a contractor at my current company for about 2.5 years now. Base pay is 86.7k a year with 1.5 pay for overtime. For those 2.5 years, Ive averaged 108,704 a year I work a lot of OT. I get no sick time, no paid vacation, no 401k, no bonuses, and Im not eligable for raises or promotions. Now Im getting an offer to be a direct employee. The offer comes in at 80k a year, with a flat rate 25 an hour for overtime. They offer matching 401k contributions up to 6 and an average of about 1.8k bonus a year. This will, if my math is right and I keep working the same hours, come out to about 97,088 a year. Now the perks I cant monitize are 3 weeks paid vacation I still take 3 weeks vacation now, I just dont get paid for it, 14 paid holidays a year I get 5 now, sick time, personal time, annual raises, and the chance for a promotion. The question is, are those additional perks worth the 11.7k pay decrease? Im 31 years old right now with a networth of 178k, my goal was to be a millionaire by the time Im 40, which of these decisions will make that more likely?  <response>: It is worth it: Sick time getting paid while not working Extra personal time getting paid while not working Extra paid holiday getting paid while not working Annual raises salary increase Possible promotions salary increaseYes, it is worth it especially if you plan to stick around for a bit. Youll make up the difference in the long run. 