Early Life Investments, LLC
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Early Life Investments
Early Life Investments
A Family Financial Head Start

“The best time to build lifelong money habits is when you are young. The second-best time is today.”

Educational only: The author of Early Life Investments is not a Certified Financial Planner. The content here reflects the author's personal opinions and experience and is for general educational purposes only. Read the full disclaimer.

Workbook — Career · Created October 5, 2026 · 1 min read

Job Offer Comparison

Salary is one line. The package is the answer.

The higher salary loses more often than people expect. A weaker match, a worse health plan or a more expensive city can erase a raise entirely — and none of that appears in the number the recruiter quotes.

Download: JobOfferComparison.xlsx — free, no email required, and it opens in Excel, Numbers or Google Sheets.

What This Workbook Does

  • Three offers side by side, with base salary as one row among many.
  • Employer retirement match, healthcare premiums and employer contributions, bonus and equity.
  • A cost-of-living adjustment, so a move is compared honestly rather than nominally.

How to Use It

  1. Enter base salary for each offer, then keep going — that line decides less than it seems.
  2. Enter the employer match as it is actually structured, including any vesting period.
  3. Put in real healthcare premiums and deductibles from the plan documents, not the summary slide.
  4. Apply a cost-of-living factor if the offers are in different markets.
  5. Compare the totals, then decide what the non-financial differences are worth to you.

What It Will Not Do

This prices the offer, not the job. Vesting schedules, promotion paths and how much you will want to be there in three years are outside the arithmetic and often outweigh it.

Every workbook on this site is free. The full set — budgeting, debt, career, real estate and the kids’ sheets — is on the Worksheets & Planners page.

Where to go next: White-Collar Compensation — reading the package the columns are describing; Your First 401(k) — the match line, and why it decides so much; Insurance Basics — comparing the health plans honestly.