RN with new job opportunity need help comparing benefit compensation

27M RN in a major Northeast city deciding between staying at a federal ICU RN job vs taking a large academic hospital Nurse Instructor role. Looking mainly for financial/benefits advice.

Current federal ICU RN job:
– Base around $130k, actual 2025 gross around $140k

• Possible move to evening shift with 10% differential
• Federal benefits:
  • FERS pension
  • TSP with 5% match
  • HDHP + HSA

I max:
– TSP
– Backdoor Roth IRA
– HSA
– About 3.5 years into federal service (not vested in FERS yet)
– In EDRP program and receive ~$4,800/year tax-free reimbursement, currently year 3/5
– Schedule is harder: weekends/holidays and 12-hour shifts

Academic hospital educator offer:
– Nurse Instructor role under union contract
– Monday-Friday
– 4x10s
– No weekends or holidays
– Estimated comp around ~$155k if all differentials apply:
– Instructor base
– 5 years experience differential
– MSN differential
– CCRN differential
– Evening differential
– Defined benefit pension with 1.6% multiplier
– Likely NO 403b employer match
– Very strong healthcare/dental/vision through union benefits
– Probably lose HSA eligibility

Main financial tradeoff as I see it:

Federal job:
+ TSP 5% match
+ HSA + employer pass-through
+ EDRP reimbursement
+ Federal benefits/job security
+ Better long-term tax-advantaged savings structure

Academic hospital:
+ Higher immediate salary
+ Better pension multiplier
+ No employee pension contribution
+ Better current healthcare benefits
+ Better lifestyle/schedule

I estimate the educator role is maybe ~$10-15k/year better in immediate cash compensation, but the federal job may be stronger long-term due to:
– TSP match compounding
– HSA compounding
– Remaining EDRP value
– Federal benefits structure

Question:
Purely financially, which package would you take long term?