Suggest you look at a cheaper, smaller, car and figure out how to put a roof over your head and food on the table first. You don't even know if you're going to like your job yet. Do you have 6 months of living expenses saved up yet? Regarding boat, you talking row boat or something more substantial?

In the hectic times after my divorce and relocating, new bank accounts, I missed payments for the first time in my life. I was more concerned with with the penalties for not paying anything. I called up and they refunded most of my penalties. Not sure what it did to my credit score.

Usually when I switch bank accounts, I leave the old one open with some money in it for a while so I can make sure I got everything. I also maintain a document with all my bills and account numbers and how/when they are paid.

You need to factor in everything including the 401k benefit differences. But the other thing, how does future advancement, career growth, and culture compare between the companies?

Since your young, I'd say go for it if the second job adds any type of experience whatsoever. If you're working retail, don't bother getting another retail job unless it's different enough to add to your resume. I've always lived by the rule to never pass up an opportunity to learn something new.

My company also gives $1000 for an individual into the HSA every year so make sure you're not missing something like that in your calculations.

In the past couple years we've been specifically told that we are not allowed to ask what someone makes, that we can only ask what they are looking for. I ask for a ball park range when I am hiring because I don't have time to waste on people trying to convince me they should get $200k a year which is more than I make and more than my manager probably makes. I guess since I am personable, they usually tell me or give me some clue. Say the job target is $125, I tell them, "hey, I'm not trying to low ball you, I just want to make sure we're not wasting each others time. I have people come in and tell me something out of line like they need $150 to make a move so it doesn't make sense to continue. If you tell me you need $100k to make the move, and you are qualified , you will be very happy with our offer." Usually that gets the conversation going and they give me a hint.

Here's a link to the states that ban asking for salary history: https://www.paycor.com/resource-center/articles/states-with-salary-history-bans/#:~:text=An%20employer%20or%20employment%20agency%20cannot%20ask%20a,able%20to%20ask%20about%20your%20current%20salary%20expectations.