<prompt> Human: So im currently 23 years old, working and making between 140k-190 annually. Its not uncommon for me to for 10-12 hour days and weekends. I have bought a house already and have found myself in a rut with work. Not very happy and feel like im not challenging myself any more. Just ultimately unhappy to come to work. I have been offered a new job that would be Monday-Friday partly working from home and partly mobile. My work day wouldnt normally go past 3-4pm and I would get more holidays off. The pay would be 95-105k annually.I currently live in a city that is very expensive to live in equivalent to SF so im worried that although I might be happier, I will regret the drop in pay. Any advise on budgeting for a drop approx 50k annually and still feel comfortable? Am I making the wrong decision for someone my age?  <response>: I can sympathize with how you feel, Im in a similar situation with high pay unhappiness. Youd think making a lot of money would bring happiness with it, right?!Ive had similar thoughts on taking a pay cut for make happiness, but based on the numbers you are reporting, I think that may be too steep of a cut. I can see like 20K of a cut for a better situation, but 50-85K of a cut seems like a lot to me. Especially if you live in an expensive city. Maybe Im wrong...just my opinion.Keep in mind the significant pay cut means less eating out and spending on fun things, as well as less saving that you can do. With the free time youll have open up, you wont necessarily have the resources to do things with that time. 