If I were in your shoes, I will possibly be taking up the 100k/year job, and work on it at most for a year, or maybe two, if I think I am 'enjoying' or 'excelling' at that job. Having said that, the reason that I took on it is mostly because, currently I am one without a degree (in very late twenties here) and so, having those amount of money will do help me out a lot. Education can be pretty expensive, as such this presents an opportunity for me but at the expense of my health/ day-to-day fulfillment (whether am I enjoying the thing I am doing or procastinating all day about my work), or both or more... Especially so, you have mentioned it is a sales jobs - I presume there is a target to hit, and perhaps there is also a need for you to do social interactions with people etc. Overall, in a nutshell, this can be a tricky situation to anyone. Such situations present a different scenario towards each individual - as some have mentioned, it depends on what is your financial status, your mindset and there are lots more that you can pretty much find in this chain of comments in this thread. Ultimately, whatever that you have choose, do not regret them and definetely do not think back of the other choice that you did not made - eg. "Why did I not choose that job"/ "This job's benefits sucks big time..." etc., because that can be pretty harmful mentally in a sense.