I hate long commutes, so to me the pay increase and commute cancel eachother out. What other factors are there? Is this a good move for your career progression? That would be reason enough to take it imo. 45 min isn’t far enough to move out of your parents house, otherwise you spend the difference on rent. However, even then - what other factors? Are you excited for the new role?

I am including your personal loans and cc when I said “high interest debt”. I know one of them is at a lower 9%. Not the low interest you get on a mortgage so should still be cleared - last - but cleared. Buried = negative net worth. OP, it sounds like you are paying the debts off and heading in the right direction. You asked for advice on how best approach it, you got it, you are free to ignore said advice. It’s free advice and we are not professionals :) perhaps just people further ahead in the financial journey than you.

If something happens, you use the credit cards - which means you use them and pay that interest when you absolutely have to, instead you will be paying said CC interest regardless at the moment. You will not be worse off than you are right now.

Edit: but longer term, build up an emergency fund. That comes AFTER clearing high interest debt which you are buried under. In the absolutely starting point you find yourself in, emergency = back into debt, but that’s why everyone is telling you to reevaluate your situation.

OP, stop looking at this as different pots of money. If you have such huge debts, you don’t have ANY life savings. They cancel each other out.