Silly Question: Do Remote Work paying $62K or work on site 1 hour away for $70k (potential for hybrid after 6 months or so)

I have been unemployed for 7 months. It’s been tough since I was the main income earner. I know this is silly and I don’t know why I am undecisive. I have three kids under 11.

Here are the details:

1.) $62K is contract employment 6 months with a possibility of extension or direct hire.

Solely focused on doing Accounts Receivable. (I have 15 years’ experience).

Currently no employee benefits.

2.) 70K is a direct hire with the company

Medical insurance covered at 100%

401k Matched at 12%

Continuing Education reimbursement

Gas will cost me $500/month (5 days a week in office)

Travel time is 1 to 1.5 hours each way.

Job is Accounts Receivable and Accounts Payable (I have 15 years’ experience doing both).

I can do more senior roles tbh. I’ve trained people, I’ve handled books for my previous company’s one location. I disagree with recruiters saying that I can’t do it and I’m not in that level yet. That’s because no one has given me a chance to advance. My previous role was a general accountant. but it was a contract. It’s been tough getting a job this past year. I’ve considered the above positions because they are easier to obtain and less stress for me.

Thank you for your kind responses!