I'm losing my mind over a luxury problem: Currently a PhD student in the south of Germany. A few month ago, I went through a difficult phase in life and suddenly considered not going for an industry career and missing out on the money to be a huge mistake. So I started to shop around for offers and recently got hit up with a very generous Junior SWE offer: 115k TC (currently 55k).
However, in the meantime I was also able to find my motivation again for continuing the PhD. My main project is dealing with the application of computer vision and deep learning. While not overly excited about the specific topic, I appreciate the freedom, the intellectually challenging work, even teaching. Most of all, I enjoy to really become an expert in a domain.
I'm completely lost on how to proceed now: My stomach feeling is to decline the offer. It is in an unrelated field, so I'd have to give up on deep learning which sucks a lot. However, it is also a fantastic salary for Germany. I'm waking up at night sweating bullets about giving up so much money, missing out on the kick-start of an industry career. But I'm also sweating bullets about not working in machine learning anymore. I've already put so much energy into machine learning and fear that, once I switch away, the path back to it won't be easy.
"Money is just a hygiene factor" seems like a good perspective once you already made bank. Have you given up on a good salary early in your career? What is your experience? What would you recommend?
Now, personally, if you got your motivation back, I'd advise to go ahead and finish this PhD! You'll have plenty of offers in the future, probably including more meaningful ones. We are in a field where job offers are not missing. You only have one PhD (usually) and you don't want to regret having spoiled it your whole life (of course, if it is not working out, get the hell outta there). Your PhD is (supposed to be) your personal work. Your rules and your ideas. At a level your job offer probably won't reach. You'll be able to try a software developer position later, there's no rush.
(as someone who did a PhD and is now working as a software developer).
(and yes, I did decline a job offer with a much higher salary that my current one, but I'm happy to have made this call: my salary is still decent, and I do something meaningful to me, and geographically close to where my friends are)
I wish you the best. There's no wrong answer. Relax and enjoy life.