<prompt> Human: Got offered a position at a company I think Ill really fit in well with doing exactly what I want to be doing for a career. However, they dont sponsor insurance, there are no benefits or 401k match or anything, and no retirement plan. Am I crazy to accept the job and just try to do all the savingplanning on my own? Or should I ditch the position and look for something else that will be more helpful?  <response>: A retirement account has monetary value - you can calculate the value of that. No insurance is trickier, since the blow-hards in congress want to threaten to take away your options to purchase that on your own. Nonetheless, assuming that you can purchase healthcare elsewhere, there is a monetary value to that as well. Crunch the numbers - if the salary is high enough to justify the additional costs, than its worth it. 