PayPal or CK?

Oct 24, 2019 44 Comments

~ same TC after tax
Worse benefits at Credit Karma
Paper money (Credit Karma) vs (some) RSUs and ESPP (PayPal)

Worth it to take TC, benefits loss to work at CK?

192 VOTES SELECT ONLY ONE ANSWER
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TOP 44 Comments
  • Drift VMx00
    Lol at not “getting” CK. I guess in Silicon Valley it’s difficult to understand a tech company that is wildly profitable. Better to get that job at Uber, Wework or some other fraud company offering a big TC based exclusively on one sketchy investor’s made up valuation.
    Oct 24, 2019 10
    • Credit Karma YOUNG PONY
      Why would they not?
      Oct 26, 2019
    • Credit Karma DesiGirl
      Corrected my typo. I hope @VMx00 does. Although +30% to $14 isn’t too exciting. ;)
      Oct 26, 2019
  • Flagged by the community.

    • Twitch tftchamp
      How do you know know your tax rate before end of the year?
      Oct 24, 2019
    • Affirm hwl
      45% ballpark estimate
      Oct 25, 2019
  • Samsung
    chajimogo2

    Samsung

    BIO
    Stressed out but surviving
    chajimogo2more
    I don’t really see the draw of credit karma. Sure it’s a step up from credit sesame for example but I think PayPal is much more stable, considering that the current economy is likely going south in the near future.
    Oct 24, 2019 2
    • Credit Karma djhhaiew
      Credit Sesame? 😂 not even a comparison. That’s like Coke (CK) vs. Shasta cola
      Oct 25, 2019
    • Credit Karma / Eng DopeP
      Lmao
      Oct 25, 2019
  • Motorola / Eng middlename
    Neither because both companies are shit
    Oct 25, 2019 2
  • PayPal paypal1111
    Both companies are wildly profitable, worked at P2P before, credit Karma probably had the best business model in that space, no one was making money other than credit karma, and they easily control the traffic from the lenders. I’m a strong believer in both companies. But end of the day, the team/manager and what you do matters the most, so I’d say how you feel about those matters more than the money piece, especially it doesn’t sound like the two offers are wildly different
    Oct 25, 2019 2
    • PayPal / Eng grum735
      Great answer.
      Oct 27, 2019
    • Credit Karma Bathroom
      + 1 Great answer and respect to PayPal, the OGs.
      Oct 28, 2019
  • Credit Karma iopsifnr
    PayPal location is shit. If you’re under 57, you’ll want to live in SF.
    Oct 24, 2019 3
    • Credit Karma iopsifnr
      Yes you do, given that you work in the middle of nowhere lmao
      Oct 24, 2019
    • OP
      CK Charlotte PayPal satellite office
      Oct 24, 2019
  • Amazon KRONjob
    They are both weak. Can you Leetcode a bit harder and try for some more companies?

    If you can't do it for some reason due to circumstance, then join PayPal because they have amazing WLB. You'll have plenty of time to Leetcode out.
    Oct 24, 2019 6
    • OP
      @PayPalCEO I gave my estimates for TC based on the 1/3 RSU - CK is 0/0/0/100%
      Oct 28, 2019
    • OP
      CK says their 401k is also 4 year vest for the match amount. If that isn't possible idk what they're talking about
      Oct 28, 2019
  • PayPal / Eng grum735
    If you are discounting the stock comp from CK as paper money then I would say there is not much point going there for monetary reasons. If you feel there is a good chance those paper shares will be a significant amount then there is good reason. If CK is successful those shares can be 2x 4x 8x etc. But PYPL stocks will grow gradually and slowly (that is what is expected from large public companies)
    Oct 24, 2019 0
  • Credit Karma / Eng murgigcsy
    If you need the higher non paper tc of PayPal in coming 3-5 years then go with that. If you can wait for potentially higher payouts of future CK stock then come over.
    Oct 25, 2019 2
    • Credit Karma YOUNG PONY
      What makes you think we’ll go public?
      Oct 26, 2019
    • Credit Karma / Eng murgigcsy
      Actually I hope we do. I have no idea if and when we will go public
      Oct 26, 2019
  • PayPal
    $andbox

    PayPal

    BIO
    Never stand still.
    $andboxmore
    Idk... it looks funny those two options are in a tie. Should’ve set up some algorithms to have odd number of total polls for even options.
    Oct 25, 2019 0

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