<prompt> Human: Hi All,My husband recently received a job offer that is 40 increase from his current salary with a new start up. Unfortunately this company is very new and does not offer a benefits package yet less than 6 employees, but has plans of getting benefits lined up in the next few years. This means no employer matched 401k or health insurance. Up until a few months ago I was a stay at home mom, but went back to work so we could pay down student loans and car loans. Our current focus is paying off our debt and getting our mortgage paid off in the next 7 years. The pay raise will definitely facilitate tackling the debt but not having a benefits package is also scary. Is it financially a good idea to take a higher salary and invest in some sort of Roth IRA for retirement, or stay at a lower salary with guaranteed benefits? Edit to add: current salary is 65k and the raise takes him to 90k. I am eligible for insurance through my employer, but its not great I work on the insurance side of a hospital, so I know the details well. Insurance is important for us due to existing medical issues. Assistant: You need medical insurance because you have kids. Can you get benefits through your work? Its hard to evaluate from PF perspective without numbers. You say 40 increase but if that is from 25,000 thats not really good, but its its 40 from 100k its a lot of money. Human: I can get insurance through my work, its awful insurance though. It would be going from 65k pretax to 90k.  <response>: Have you run the numbers for costs? Ask HR or manager who handles getting insurance. It is awful because you know or you just heard? Awful is better than nothing 