I am 63 years old and have 30 years of Collections management experience working in banks . I currently have an individual contributor role job making $110,000 per year . Our office is only 5 people. I report to the owner . I've been here 3 years. I recently received a job offer of $110,000 for a Collections Manager for a Debt Collection law firm. They have a 401K plan but no match. My current job is very low stress , casual dress, and a very easy job. Is this new job worth the move ?

I’m in Denver pulling $95k base, and I’m starting to think I made a massive mistake by choosing work-life balance over a front-office grind. I love leaving the office by 6:00 PM, but seeing the first-year IB guys pulling down six-figure bonuses is demoralizing. Is the only way to break the $150k barrier before turning 30 to move into a revenue-generating role?

How many of your PTO days do you typically take?

I’m curious how people think about loyalty now. Companies talk a lot about retention, but employees have learned not to assume stability. Do you still believe in staying long-term at one company?

Leadership question: When a supervisor asks for your honest opinion about a coworker, how candid should you be? Do you give your unfiltered assessment if you believe the person is underperforming or relying too heavily on others, or do you focus only on objective facts and let management draw its own conclusions? Curious how others have handled this situation.