which one would you choose and why - 1) Startup - TC 200 k . Known domain but I will be responsible to integrate the module with the main product . Risk of being unsuccessful and hence getting fired . 2) established company - TC 145k . new domain but I will be able to ramp up quickly. Good stability in-terms of job and visa sponsorship. Grad student with 1 year experience.
I am in a similar dilemma but TC order is reversed. I feel like younger people should take some risk. I am in 30s and worried about losing money. Visa/immigration status is definitely something you need to consider strongly though. It is always better to be secure on that side before taking a risk.
What about recent grads who have no savings and a fair load of debt? Honestly I donāt think I could make it a couple months without work although that should change over time
Recent grads or those who live by the paycheck and have debt should of course stay on safe side and tread carefully. Take risks if you have at least 6 month salary saved and no debt to pay. But probably a lot depends on your aptitude and abilities. I just meant younger people generally have lesser responsibilities so a more risk appetite. All this is general knowledge anyways. I am not saying anything new.
Howās the term life insurance from John Hancock?
If you can afford the risk, startup. Higher TC, more learning in the earlier years helps. You can keep interviewing periodically to reduce risk.
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