<prompt> Human: Edit: Thank you, everyone for the advice! We decided that we will ask the job recruiter if we could try again when our lease is up in January, when we are in a better position financially. Again, thank you for the help! :ORIGINAL POST:I am currently at a job I hate. I work in maintenance, but have no skills as a mechanic, and I suck at troubleshooting.I got a job offer for a Targeting job in Tampa. Its 20hr but 10hr less than what Im making now. Did a budget as well as I could, by moving, we lose 885month. This doesnt include the 1000 to break lease and the 1400 for a uhaul truck. Ill be on 5 days 8 hours per day or 4 days and 10 hours a day, instead of my 12 hours for 3 days and 6 hours for one day. We are pretty much hung up on the money aspect because husband wants a kid and if I took the job, we couldnt afford it. Ive used cost of living calculators that say that with my currently salary 60,000, I could afford a job in Tampa 43,000. But I still lose the extra 885month for savings and fun money.When is a likable job worth a 20,000 pay cut a year?Edit for more info:Current benefits:My medical, dental, vision are paid completely, I also get short term and long term insurance for 60 of paychecksIts 530 to add husband, then another 200 for kids 830month total401k is half match, so if I put 6 in, they put 3 inNew job:I pay 180 month for medical, they pay for dental, vision and life insuranceIts 328 to add husband, but I blanked on asking about kidsNo 401k matchingCurrently, I work 3.5 days for 12 hours the 3 full days and 6 hours on the half day. Every 60 days, we work 8 days straight, but every opposite 60 days, we get a 6 day break to switch from day to night shift.Im 28, husband is 31. Hes not working because we are in the midst of bankruptcy I filed way before this job came up, and the lawyer said we were too close to failing the means test for him to work. As soon as bankruptcy is done, he is getting a job.Current Expenses:Rent-1100Utilities- 50Phones -170My car - 265My car insurance - 152Sallie Mae - 105Grandma - 100Mum - 100Gas - 150Food - 300Laundry - 60 laundry cardCat food and litter - 80His car and insurance we pay his dad - 200Internet -50Sony Vue - 40Kids-So, we know kids are expensive. Just diapers, formula, etc alone is whats daunting. We worry that we wont be able to provide for the kid well enough during those formulative years. And if we do have kids, husband will be the one to stay home thats our agreement before getting married  <response>: Taking a pay cut is not an option for you as you are in bankruptcy. Also, why is he not getting a job right now??? Why is he waiting for the bankruptcy to end? Make him stop being lazy and go get a job right away. I seriously doubt your debt will be discharged. They will simply put both of you on a payment plan to where your paychecks get docked. So waiting to get a job does not make sense. 