Do you get benefits through your husband and what would the cost difference be? I thought about this a little more and coming from a Social Work background, I know that certain jobs like in nursing homes and the like may not be all they are cracked up to be. There is a ton of bureacracy and shadiness that goes on, especially in institutionalized settings. Have you noticed anything remotely like that as of yet? That's the main reason I left my last job. I would have ended up a patient if I stayed any longer
. I also do not have as good a benefits package, however, the sanity and independence was worth it to me. Keep us posted when you make your decision!!