I work a private daycare job. I receive basic benefits but realized that I'm the only one in my household without any form of 401k or retirement savings. My job gave me a decent raise last year considering the industry but where I live the cost of living has also substantially increased. Should I dip and find a job where I take a paycut but will be offered a 401k and student loan forgiveness?
It also should be mentioned that I have been experiencing serious burnout due to short staffing and terrible/rude communication from management that has made the quality of my job suck. If I leave the job I'd be leaving the childcare industry, as my job is the highest paying I've seen in a while (given I don't even make 50k a year).