<prompt> Human: A quick bit of background:I work in london.Im a software engineer Java back end with 1 years proffesional experienceI have a computer science degree, majoring in Artificial Inteligence.I am paid 30k. About 7.5k below standard market rate.I love my job but the money is too low for me.I have been offered 10k in stock divided over 3 years 3333 a year.The company is valued at 3.2 million.I have been offered a job not final for around 37k a year. I have an interview on monday for another job at 45k.---------------------------So I love my job, I work for a very small startup and other than a few bad days I love my work. My hours are very flexible, I like my collegues, and there is a lot of potential for proffesional development. Buuut part of me wants a better paid job, I dont stuggle financially but I dont have enough to build savings, Im living almost pay check to pay check with a comfortable life which I can easily stretch to save a few hundred each month but I like the pub.I have been informally told I will be getting a pay rise in july but have not been given a number.My gut tells me, Im under appreciated and under valued but I dont have the knowledge of experience to quantify why. Ive never dealt with or learnt about the finacially implications of stock options so I dont really know how to consider this.So my question is, from a financial perspective, is the job worth it?  <response>: Its not even close. Take the 45k job. Stop shorting yourself. Money speaks. Go where they are speaking the loudest. 