<prompt> Human: For some background, I am 29 and have 6 years in this industry. As far as savings, my wife and I have accounts such as e-funds, b-days, travel, auto, but nothing in terms of long term savings aside from my 401k. I make 60K annually and they buyout they are offering is 90k after taxes. Trying to decide the right move here for long-term benefit. Do I take it, wipe out the car payments and take some in long term savings and some for a house down payment and frugally live off the rest while I find a new job, preferably in my industry... or do I hold my ground and make my annual salary because its a guarantee?  <response>: Holy crap, they are offering you 18 months severance to just walk away? Why on Earth would you not take that? I make 60K annually and they buyout they are offering is 90k after taxes. You make 60K _before taxes_ and they are offering 90k after taxes? So more like two years?Lets imagine worst-case scenario, you quit this job and cannot find another for two years. Well, you just got a free two-year vacation to relax, to spend time with your family, and to brush up your job-skills.Versus, you dont take this offer, and the company goes into the toilet two months from now and you get zip. 