Based on what  your wrote, I can only assume that you' re not working at the moment.  So the offer isn' t really $25K less than you' re earning now, it' s a ton more than $0.  The real question is whether or not you can make ends meet, pay the bills, and at least maintain your present standard of living on the offer that' s been made.  If you haven' t already done so, you need to figure out what it costs you, on average, to pay your bills each month.  Take that monthly average times 12 to come up with an annual salary you require and below which you cannot go and still keep up financially.  That annualized salary is the bare minimum you need.  If you' re offered a salary that' s more than your "can' t go below" amount, I' d be inclined to take the job.  Frankly, about all you can do is counter with a salary range that' s reasonable and, at least, greater than that "can' t go below" annual salary.  Other benefits, like health coverage, are probably set by company policy and not really negotiable, but you might be able to negotiate a 4-day week, depending on the job and it' s requirements - it won' t hurt to ask, particularly if you' re not successful negotiating a salary as high as you need.  There' s no reason not to keep your other options open with other employers - you probably won' t be starting the new job, assuming you reach a mutually acceptable agreement, before Wednesday anyway.  But since it doesn' t sound like you' re working, if you can pay the bills on the final salary offer that' s already been made, take the job.  If something better comes along, which it may not, you can either stay put or switch jobs if a subsequent offer is better.  In the meantime, you' ll at least have a job.