You put in two years at your current place and they don't want to pay market, you will need to leave. I would take the $95k job but leave the door open. Tell

You put in two years at your current place and they don't want to pay market, you will need to leave. I would take the $95k job but leave the door open. Tell them you are going to 'try' this new job because you need a change. People go back to their old jobs all the time. $4k is nothing, tell your new job you need a signing bonus to overcome some retention issues. If you think of the difference in salary as a $20k annuity for the rest of your career, the job change is worth maybe $400k. Your current coworkers will cheer you on.