<prompt> Human: Im a 25 year old guy, currently working at a Lighting Agency in the Philadelphia suburbs. My current position is as a inside sales rep not telemarketing, will go into more detail if need be and I really enjoy my job. I do not have a college education. My current salary is 36,500 a year plus profit sharing checks once a quarter, usually 500-800 each, tending to fall on the high end. They also offer free dental insurance and a 25 match on up to 4 contribution to our 401k. I only started working this position as of about 6 months ago, previously working in customer service at the same company.Recently I interviewed for a job at another Lighting Agency in New York City after a colleague reached out to me about an open position in OUTSIDE sales something I am not familiar with. They offered 65,000 plus potential commission to be split among 3 others with identical roles. No 401k match. I would need to complete a minimum 3 month training in Long Island in order to hit the ground running in NYC.They offered me the job and expect an answer by Monday.Some other random info: I have 10,000 in student debt went to college, never finished 130month payment on that, a car loan paid back at at 167month until September 2019, At first I was very excited about this potential move, but the more I think about it the colder my feet get.Is 65,000 enough to survive in New York?Is the 401k match a big loss for me in the future?What if the job doesnt work out? What if I need to empty my savings just to survive?Any insight would be helpful. Thanks!Sorry about the formatting, Im on mobile.  <response>: Ive lived in both these places so I can probably shed some light on the question. I originally moved to Manhattan on lesst han half the salary youre looking at; things are more expensive now but not twice as expensive so your plan passes that initial plausibility test for me. Youd have to get rid of the car for reasons of both budget and hassle you dont need it in NYC and you dont want to waste two mornings a week re-parking it for street cleaning. Youd live in an outer borough or NJ with a roommate or two, but thats perfectly reasonable and even fun at your age.To me the real questions are: Do you yearn to live in NYC? and Do you plan to make your career in lighting or go back to school and do something else? Losing the 401k for a time to work your way up in the industry could make sense... but only if you want to work your way up in that industry. As for wanting to live in NYC, its expensive and sometimes tough. You know the old song If I can make it there, Ill make it anywhere? That struggle is worth it if thats what you want, but if you dont, youll just want to give up and come home. Its hard to put into words what Im talking about. There are just so many people in NYC that there is always a competition for all space and resources, and its tiring. My friends in other cities sometimes make fun of me for how much lead time I think is required to go to a movie and get seats, get a restaurant reservation, etc. Id go with my partner to Trader Joes and one of us would immediatley get in line for the checkout while the other did all the shopping. For years, Id stand on the subway for over 45 minutes as my commute home and that seemed normal. Plus, the subway system has become considerably less reliable recently! Moving to NYC seems doable and maybe good for personal growth in the short term, but staying in Philly and going back to school seems like a better bet to me long term. 