<prompt> Human: So, when taking into account state and federal taxes and 401k contribution and the new job is in the public sector with a pension so not contributing to a 401k is a 30k gross pay cut not so bad? I have crunched numbers and it seems like it would be a difference of 1k net less per month, so 12k net less a year. Does this seem way off? 1k a month less is definitely significant, I am not saying it isnt, but it seems a lot less scary than 30k less per year.  <response>: Is it worth it is one question that only you can really answer.Did I do the math correctly is something you havent given enough information for us to say. There are certainly scenarios where it could come out as you say. This goes back to the first question, though, as to whether thats the real difference in value e.g. whether youre not losing more than you think due to the different retirement arrangement. 