I worked 4 years in retail and just got an outpatient hosp job offer. Should I accept the offer?
The longer you will wait to make the move, the harder it will be to make the switch for financial reasons.
It doesn't work like that at most places when it comes to paying out benefits. Sure you can use those sick days and PTO days but most employers don't match 401k and HSA at once, they do it over time to prevent people from taking advantage of the benefit then quitting. Unless you are in mountains of debt and live paycheck to paycheck, it really doesn't matter. These golden handcuffs you speak of are self-inflicted.