Current job: I make $55k a year, and have 401k match and travel the USA and the world (10 trips already this year) so that's another $15-20k spent on me.
I work in Boulder, Colorado where the housing is crazy expensive and my husband and I are renting right now and saving as much as we can. He makes $75k a year and has the flexibility to work remotely from where ever.
I was approached on LinkedIn to interview for this open position in NYC. I asked for $80-100k a year. They do not have 401k match (but hope to in 2016) but, they have catered lunches everyday (which can help me really save money! Especially in NYC) as well as they pay for the commute to work. They also have some other fun benefits -- cool work environment, happy hours, tons of snacks, awesome coffee machine (free) in office..etc.
It's a tech startup so it will be a fun environment. I asked someone who worked there, who moved when their spouse got a new job out of state, and said it was their best job yet. I have always wanted to move to NYC and I feel this may be the last chance, since I want to have kids in 3-5 years. So we do the "big city thing" now, then move somewhere more affordable and in nature. I am scared that if we move out of Boulder and don't get in the market, if we want to return, we will not be able to -- since Google is building a campus here to be done next year and Twitter are moving one of their headquarters...etc.
Also, I LOVE my job now - amazing people and I get to do whatever I want. My manager is amazing. I am underpaid, but this is the first time they offered a job like mine and I know I would get a raise next year (they do structured annual reviews for raises). I am not sure I would be able to jump from $55k to $70k+ though...and this NYC gig I may be able to get $100k!
So....Do I accept the offer in NYC, even when cost of living is higher...etc. for an adventure and more $? Or, do I stay in a slightly underpaid job that I love right now.
p.s. I am 24.
OR/AND can I get advice on if I get this offer, how to negotiate a raise for me to stay in my current job?
There were over 150+ applications and I am top 3.
Thanks!