Which do people value more?

I'd probably take the $50k and buy myself a high deductable health insurance plan. You can do that fairly inexpensively if you're healthy and young (non-smoker).

If you have dependants, that changes things.
 
Quote from traderpro:

For that money you are better off working for the city with a good retirement plan.

You can get a city or county job in chicago where you sit on your butt and make at least 90k.
 
In some US cities 50k is a great paying job based on the cost of living.

The one of most value is 50k without the bonus and extra benefits. Guaranteed money is always better than "maybe" money.
 
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