It’s so hard to figure out this stuff … but as a guy into computers who was debating going into academia instead of the field, this is what I did …
I took the money, but lived like I had only the academic salary and invested the rest. 15 years in, life is pretty cushy, I’ve found a relaxing niche in my field that I like my job, but it’s basically optional as long as I stay willing to live like an academic. But there were definitely some pains to get here. I might quit and go back, I might quit and travel, or quit and do a start up, but I like my job a lot now so I’m keeping at it.