[mathattack]

My 2 cents... You seem motivated enough to learn on your own. You also left off a key detail - where are you from, and what is the visa situation? 46K is not much to live off of in SF, and you could struggle to find a new job w/out a Visa.

All that said, you should consider some other things:

1) Do you want to live abroad? If you are young, this should dominate the decision. I am of the "Go abroad at all costs" camp, which means (if you're from London) take the job if you're in that camp too. If you're from the US, that's a case to stay in London.

2) Secondary ask what you want to do more, Fintech or Photo sharing. On the front end, your industry expertise will matter for the next job. Both are interesting areas.

3) Once you get into medium term thinking, how much you like your team matters an awful lot. It's not good short term (anyone can suck something up for 6-12 months) and not good long term (teams break up) but it's a good medium term consideration.

Good luck!

[yashodhan]

Thank you for a very honest breakdown. I have lived an equal amount of my life in both London and NJ, and am a citizen of US and UK, so visas aren't my problem. "Abroad" would be neither of the two, unfortunately.

I haven't worked in a consumer space startup before, so it may be wise to get some experience there.

It's pretty hard to gauge the culture of the new startup, as I've only met the CEO and videoconferenced with the rest of the team. While they're undeniably smart and focused, it remains to be seen if the support system and empathy will be on par.

Thanks for your thoughts and wishes.

[mathattack]

Good luck. It's not a bad problem to have. Either way, the decision isn't irreversible. The same option may not be there in a year or two, but other options will be.