I wouldn't take a paycut currently. However, I would take a job without a raise. I have found my personal equilibrium for effort vs income. I could make more mo

I wouldn't take a paycut currently. However, I would take a job without a raise. I have found my personal equilibrium for effort vs income. I could make more money, but it would be with significant more work and time spent. 30%-40% sounds like a lot. But it depends if you are sacrificing luxury or saving and retirement. The equation I used is: income = monthly expenses + savings + retirement fund.