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User Topic: Help! Taking a job that pays less?
kwash
Member
Member # 13957
Question  Posted: 7:52 AM, January 6th (Monday)

I am interviewing today for a great job. On the pro side: it would be interesting, involve travel (yay), it is prestigious in my field, I like the boss, it is a bit closer to home, it would be a great stepping stone to other positions, fits with my career development and maybe most importantly I am sick of my current job, which I have been at for over 7 years.

On the con side: it pays less. A good amount less. And I'd probably have to start working harder!!

My husband is pretty down on the idea as we are focused on putting as much away for retirement as possible and this would diminish that ability. All I can think about are greener pastures. I am bored and a bit disgruntled at my current job and not doing my best at it, which doesn't make me feel great about myself. I keep thinking "a change is as good as a rest".

The change in salary/bonus won't mean we have to make major lifestyle changes, we just won't be stashing away as much as we are right now.

Anyone make a change like this and never look back? I need encouragement going into these interviews!!

ETA - I would be switching from the private sector to a government job if that makes any difference. Haven't done a lot of research into the pros and cons of this, but I will be getting more information about it today.

[This message edited by kwash at 8:03 AM, January 6th (Monday)]


Posts: 2190 | Registered: Mar 2007
Exit Wounds
Member
Member # 32811
Default  Posted: 8:39 AM, January 6th (Monday)

we just won't be stashing away as much as we are right now.

Personally I would NOT switch from a highter paying job to a lower paying job. Reason is b/c I woud NEVER want to be at the mercy of a man/hurband. I really like making my money and earling less is not going the right directing for me.

Good luck!


Posts: 2486 | Registered: Jul 2011 | From: With my dad...and my dog...
metamorphisis
Administrator
Member # 12041
Default  Posted: 9:19 AM, January 6th (Monday)

Is there a major difference in the pension for the government position?
We're in a similar boat. Dh just graduated and is interviewing. His position can be private or public sector. With a private firm he might make more, but the lifestyle would be different. Some of it would be performance based for salary and upward mobility, there would be long hours with big projects but the work would be more exciting.
In the public sector the job would be predictable, the hours stable, the pay less, but the pension would be significantly better. Which of course is a huge consideration since this is a career he is starting in his 30's. The room for advancement is huge with the public sector job but would require a major cross country move.

Quality of life is the major motivating factor for us. And for us, that includes our kids, time spent as a family, and the emotional costs of moving away as well.
As you can see, we've got pros in cons in both areas too. I don't think money is the biggest concern for us. I need my husband to come home happy at the end of the day. I would put a lot of weight in the direction that will make you feel fulfilled and make life meaningful. Just be careful not to wear rose coloured glasses when considering the new position because you are frustrated with the current one. Good luck with your decision. Personally I would lean towards the new job you are considering because it seems to light a fire under you, and that's worth it's weight in gold.

[This message edited by SI Staff at 9:20 AM, January 6th (Monday)]



“We don't see things as they are; we see them as we are.”... Anais Nin

Posts: 44957 | Registered: Sep 2006
Amazonia
Member
Member # 32810
Default  Posted: 9:51 AM, January 6th (Monday)

Is there a major difference in the pension for the government position?

I was going to ask this too. I took a huge pay cut for my current job, but the benefits are way better, particularly the pension/401K - about 5X as good as I was getting at my old job! It's an investment in another way.

I would look at the benefits and see whether there are tradeoffs that are worth it - extra vacation time? Better insurance benefits? Additional benefits (commuter benefits? bonuses? etc.) that you don't get now?

And crunch the numbers. Would you still be able to retire the way you want? Would it mean working an extra year? an extra ten? Is that worth it to you?

Finally, it doesn't hurt to interview well...you don't have to decide until they make an offer. (and you can always see if there's room to negotiate the offer once it's made!)

[This message edited by Amazonia at 9:51 AM, January 6th (Monday)]


"You yourself deserve your love and affection as much as anybody in the universe." -Buddha
"Let's face it, life is a crap shoot." -Sad in AZ

Posts: 13798 | Registered: Jul 2011
Crescita
Member
Member # 32616
Default  Posted: 10:11 AM, January 6th (Monday)

The job sounds great my only recommendation is that you reconsider this;

The change in salary/bonus won't mean we have to make major lifestyle changes, we just won't be stashing away as much as we are right now.

A few lifestyle changes would be better in the long run than cutting back so much on your retirement, and would probably go further in getting your DH on board. It's hard to argue for needing less in the future when you can't cut back in the present.

If the job goes really well you will probably make more in the end, and maybe even get a pension out of it, but until you start it's better not to bank on that.


Posts: 3445 | Registered: Jun 2011 | From: The Valley of the Sun
pmal64
Member
Member # 13551
Default  Posted: 10:34 AM, January 6th (Monday)

I did that once. I left a high stress job and took a $5/ hr cut in pay. Feb 2000.

my H was beside himself (he is a firm believer in working 1 place your entire work career... ) I told him it was a different job or a mental breakdown. I never regretted my decision. money wise, I changed my tax deductions and started cutting coupons but I was a much happier mama. I only worked there a couple of years but it was well worth the change.

[This message edited by pmal64 at 10:35 AM, January 6th (Monday)]


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Posts: 576 | Registered: Feb 2007 | From: down south
Mama_of_3_Kids
Member
Member # 26651
Default  Posted: 8:39 PM, January 6th (Monday)

Do3K did it, for reasons I can't discuss in this forum. We have been strapped and I've gone back to work, but it was worth it.


Me: FBW/30 Him: FWH/33 The kidlets: DS13, DS10, and DD8 The hounds: Four Shih Tzu's
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Clothed in strength and dignity, with nothing to fear, she smiles when she thinks about the future.~Proverbs 31:25

Posts: 11584 | Registered: Dec 2009
kwash
Member
Member # 13957
Default  Posted: 3:39 PM, January 7th (Tuesday)

thanks everyone. The interviews went really well and I am going back for another one later this week. I think this is a good move for me even though it will be a pay cut. I need a change and I figure if I get the offer and accept it I will either 1) decide I don't love the job/lower earning potential, stay a year and then use the experience to jump to position that pays even better than the one I have now, or 2) decide I love the job and that will be the trade-off for lost income/earning potential. I think I can live with either outcome.

DH is still saying that he doesn't think it is a good idea, but I know him and I know his decsions are usually $$ driven due to prior life experiences. I understand this and if I get an offer we will talk more about it, but I don't think the $$ is a dealbraker for me. Honestly my biggest issue is that I will have to work harder than I have been in the job I've become tired of!

Crescita - your advice was great! I mentioned this to DH thinking it would help and he said he preferred that I keep my current job, we maintain our lifestyle AND we keep saving at our current level!


Posts: 2190 | Registered: Mar 2007
Crescita
Member
Member # 32616
Default  Posted: 5:03 PM, January 7th (Tuesday)

Crescita - your advice was great! I mentioned this to DH thinking it would help and he said he preferred that I keep my current job, we maintain our lifestyle AND we keep saving at our current level!

Well sure when he takes your job satisfaction out of the equation that's the better option. Give him the puppy eyes


Posts: 3445 | Registered: Jun 2011 | From: The Valley of the Sun
hurtbs
Member
Member # 10866
Default  Posted: 5:08 PM, January 7th (Tuesday)

There is more than just the pay difference. If your current position is stagnant, and this one has room for growth and upward movement, then the short term decrease might be worth it. If benefits are better and it cuts commute/child care costs it may mitigate some of the pay cut. Also, mental health is important.


Me BW Him XSAWH
DDays 2006, and then numerous more
Divorced 2012

"In life, unlike chess, the game continues after checkmate." - Asimov
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Posts: 15325 | Registered: Jun 2006
Too_Trusting
Member
Member # 99
Default  Posted: 5:44 PM, January 7th (Tuesday)

I did that once. I left a high stress job and took a $5/ hr cut in pay. Feb 2000.
my H was beside himself (he is a firm believer in working 1 place your entire work career... ) I told him it was a different job or a mental breakdown. I never regretted my decision. money wise, I changed my tax deductions and started cutting coupons but I was a much happier mama. I only worked there a couple of years but it was well worth the change.

I'm with pmal. I just took a job in a completely different career path at MUCH less $$ because the stress of my former career was killing me and summarily sucking the joy out of my life. I figure I can always make $$, but I would be no good to anyone in the psych ward. I sell stuff on ebay and CL to supplement my income and I have zero regrets.

It is always scary to try something new, and especially to work harder for less $$. BUT, if it is what YOU want, then you and your H will find a way to make it work. I say take the leap if you need a change and do other things, if necessary, to make up the difference.


"Anyone perfect must be lying; anything easy has its cost. Anyone plain can be lovely; anyone loved can be lost." Barenaked Ladies

Posts: 2482 | Registered: Jun 2002 | From: North Carolina
sisoon
Member
Member # 31240
Default  Posted: 5:55 PM, January 7th (Tuesday)

1) Could this be a step back and jump forward sitch? It sounds like it could be.

2) Check the numanworkplace.com website for info on negotiating compensation for a new job. Gov't does have some discretion - in some cases they can give you extra vacation, for example. (I recommend humanworkplace because I think Liz Ryan is to job hunting what DS & MH are to recovering from infidelity.)


fBH (me) - 70 (22 in my head), fWW (plainsong) - 65+, Married 45+, together since 1965
DDay - 12/2010
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I share my own experience because it's the only experience I know, not because I'm a good model.

Posts: 10352 | Registered: Feb 2011 | From: Chicago area
Topic Posts: 12