It makes no sense to me to see people working somewhere for little (or much!) pay just so they can pay the bills or be responsible to their families. While taking care of a family is extremely important I think that we should develop our passions into income and be responsible to our families and ourselves at the same time.
Recently GM has offered early buyouts for 70,000 of its workers. While finances are a key aspect in most decisions, I do not think they should be the main deciding factor. Pay rates define a very small portion of our lives.
Many people have come to me wanting to know if they should take an early buyout or stay and risk being laid off in the coming months. The only question I have is "Do you like your job?" If you don't like your job, why are you there in the first place?
Of course you cannot just take the money and jump. First, make sure you have a comprehensive plan in place to be sure that you are jumping to something, rather than just away from something else. You may have to re-examine yourself before making such a life-altering decision. Do not take this process lightly.