I need some help/assistance/reassurance that I'm making the right choice here. I'm in a unique situation and I'm surprised that the math is working out this way.

**The question: Do I take a full-time position, or stay with an 18 month on/6 month off (unemployment) rotation? **My math is telling me the 18 on/6 off is a much better deal in terms of stashing cash for FI.

The facts:

**<A>**

Monthly expenses regardless of job: $2,500 (actually close to $2,200 but we will use $2,500 to provide cushion). Annual expenses: $30,000

Monthly income after taxes when working on contract: $6,500 monthly or $78,000 annually

Estimated income while on unemployment: $3,000 monthly or $36,000 annually

Estimated take-home income over a 24 month period (78k * 1.5) + (36k * 0.5) = $135,000

Total 2 year expenses = $60,000

Estimated stash increase over 2 years: $135,000 - $60,000 = $75,000

**<B>**

Estimated income with full-time job: $80,000 (maybe $85,000, but unlikely).

My current take home pay is 67%, so 67% of $80k is $53,600. We can round up to $55k.

So, estimated take-home income over a 24 month period (55k * 2) = $110,000

Estimated stash increase over 2 years 110,000 - 60,000 = $50,000

Other notables:

<A> is much, much closer to my current home.

<B> offers dollar per dollar match up to 6% on 401k after 1 year of work

<B> could have an annual bonus up to $10k (probably get 5k after tax)

<A> offers 50 cent match up to 6% after 1 year of work

<B> 'better'/more comprehensive benefits package

<A> Bare bones health insurance, but I'm 26 and in good shape/healthy

<B> Would mean taking a train to work for the nice sum of $12 per day, not counting paying for parking at the train station or the 1 hour ride there and back each day.

<A> means I can't get preapproved for a mortgage and I'll have to keep renting. I tried to get preapproved, but was told that I need to have a full-time job or at least a 3 year contract. I'm not really worried about getting a home right now, but felt it was worth mentioning.

Would anyone in their right mind take option <B>?? The only risk I can see is the chance that I won't get to come back after 18 months, but my boss seems on board with it. During the (paid) 6 months off I'd be working on writing a novel and possibly making side income under the table via odd jobs.

Please chime in with your own calculations, insights, etc. I'd love to get some more insight.

How long would these two methods each take to reach FI of $650k assuming 7% annual growth?

Thanks everyone!