<prompt> Human: Hi rpersonalfinance! Im a 24F who has worked at a tech startup for a year and a half now doing customer service and account management. I love the company, its small, great culture - though the pay is less than desirable at the moment. Currently I make 26k a year with no benefits, where employees with similar jobs at other tech companies are making an average of 10-15k more. Ive been told for months raises and benefits will come, and was just told again recently that come March there may be raises no talk of benefits at the moment. I was just offered a similar position in at a job in a different industry, and there Id have benefits as well as a 34k salary, which is attractive to me. Im moving to a more expensive apartment so I know the extra money will really help. Though I fear I may miss my old job if I take this new one. EDIT: Also, it seems advancement at this new position will be difficultThis is my first post on here, so Im not totally sure what kinds of responses to expect, so any advice is appreciated!  <response>: No one is going to be able to fully answer this question with 100 certainty other than you. This is because no one knows how much you love your current job and work culture. Not that it matters, but I also have experience in tech startups. With that being said: a 30 raise is huge and traditionally only happens when you chance companies. If your company is being honest see below, the raise you will get will not be 30. Your company is most likely just leading you along. You are being paid 70 of your open market value, while not getting benefits. They manage to do this by investing in culture beer in the office, every friday we go play paintball, yeah you can park your bike right next to your desk!. Benefits are one of the best insurances you can ever hope for. You instantly have a layer of security on all aspects of your life. It will make you much more at peace. As you get older, this analysis will become easier and easier to decide. The fun culture things will change. The people you love will leave, the work environment will adjust. Either the startup will fail or grow to a point the quirky, lovable culture is gone. You will really long for money in the bank and health insurance. 