Other factors for you advisors to consider.
I work 3rd shift, 7 nights on and 7 nights off. I work 10, 11, and 12 hour shifts. I am having real problems physically handling these shifts.

Our youngest son just left the nest and now the wife is all alone at night when I work. We live in the country . She's also alone in the day because I'm sleeping.

I can get health insurance for around $450/month.

My job is one of the most stressful jobs in the health field. When I say I'm on duty for 12 hours, that's with no lunch or dinner break. No breaks whats-so-ever. 12 hours means 12 hours work.
__________________