Hi all. I am a long time forum member and since many here at the forum probably are well trained and have financial degrees (Something I don't have and have never done well with!) I am asking for any opinions educated or otherwise! I am an auto mechanic, with many years experience (I am 36 and have been working on cars in some way since I graduated). I have no college degree, only a high school diploma. I am ASE certified in 4 areas. I worked for a small used car lot from 2004 until Dec 2011, when I was laid off due to slow sales. I took a position at a New Car dealer then, for less than I was making working at the used car lot, partially because I was out of work and partially because I was interested in receiving further training which could be provided by the dealership. The dealership had 4 brands, Subaru, Porsche, Audi and Mazda. I primarily started working with Mazda and Subaru, and started at 14$ per hour, paid hourly. A few weeks ago I was referred by an acquaintance to someone who needed some help at a garage, somewhat of a freelance position. I did a small job for him, and he was impressed and offered to hire me full time as he had lost his main mechanic. This is a small shop, not a branded dealership, that primarily does work for a local rv shop, and his friends and family. He initially offered a dollar more than I was making, which I declined. He has now offered 3$ more an hour than I currently making for a total of 17$ hourly, and I am having a tough time deciding whether to take the position. Its a small shop, no healthcare, etc. is offered. I have decent healthcare at the larger dealership, which I pay about 120 a month for. Also being a smaller shop, I have some concerns of long term stability, as compared to a dealership with 50+ years in business. However, the pay increase is substantial. I discussed it with my current employer, and they said that they felt I had long term potential, and in 2-3 years with training could be making what he is offering me, however that is 2-3 years from now and I could be making more all along. They said they could not offer me more money at this time. So, in summation, I can make 14$ an hour here, or 17$ there. He is offering to split the cost of a private healthcare plan, which I found for approx 200 monthly which places my healthcare in the same price range, although the plan is not as inclusive as my current, I generally am healthy and have not often used the healthcare I have had so far. I keep the plan more for disaster insurance as opposed to using it frequently. I will get more training where I currently am, on the brands we sell, which I guess has some value, but of course immediately does nothing to put money in my pocket. Financially I am not really saving anything right now as my income is just about balanced with my outgoing payments, and am worried about the future because all I have invested in to date is social security which seems like it may not be a sure thing. The future at the smaller shop is a bit of an unknown, and is keeping me somewhat on the fence, as while there are definitely no guarantees anywhere, I am confident where I am will be around in 10 years, the smaller place I cannot say that with any confidence. The difference yearly to start works out to about 480 monthly x 12 or 5760 yearly. This is a tough decision, can anyone give me a few pointers in helping me make it?