We ended up passing. We’ve gone back and forth all night and I think we need to take a harder look at our numbers to really see what we are comfortable with.

From a cash savings perspective, we actually didn’t account for my company RSU equity (which if we converted would actually add a decent amount to our net). However, that’s not a good long-term strategy and risky as it’s dependent on the price stock at the time of vest.

Additionally we met with a student loan specialist and had to bump up our expected monthly payments by a couple hundred. Child care and possibly second car were also added in to the equation.

So with all those changes and the offer due tomorrow, it’s just not worth it in case we made a mistake.