Take Remote Job for Less Money?

Which Job Offer To Accept? In Office/Hybrid or Remote?

Offer 1 (AML Analyst with Real Estate Investment Bank)

Full time in office, with hybrid to follow as I learn and become dependable.

$125k base, 15% bonus

6% employer 401k match

Full benefits package

Offer 2 (IR Associate)

Fully remote

$116k base, unclear bonus structure, but much higher ceiling and room to grow/earn more with firm success, so they say. Bonus on the low end may be around 10%

4% employer 401k match

I love the fully remote structure & long term potential of the IR associate role. It does seem like it may be more of a grind. I would likely spend some nights up late working on presentations etc, but that is the trade off for working from home.

I am a 33 year old single male, and although I enjoy the area that I live in, I don’t fully love it and working full time remote would free me up to do anything & everything I want from a lifestyle perspective.

My only fixed expenses are my home ($2700 monthly) and utilities ($300 monthly) as well as groceries etc. I have no debt, and $50k in my HYSA. I also have $225k in brokerage/retirement accounts.

I have a rental property that case flows $1k per month.