Take benefits or increase in hourly pay

Do the math

Bennys for sure.

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I'm 22 and living at home 

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You call that living?

McDonald's looking to promote you?

Six bucks an hour is about 12,000 a year. So the math. I would take benefits.

Benefits.

Everyone says benefits and they're not wrong but consider these things

1. Check the insurance. Is the insurance actually worth a shite. That matters.

2. PTO is a non-issue. I have never had PTO and won't for at least 7 months. It suxks and you start going a little crazy and your work might suffer but i mean, if you're hourly, taking time off is the last of your concerns. You should be aiming to impress.

3. As other people have said, does your job contribute? If not, you can open your own 401k. Not sure exactly how it works but it's possible.

4. How much is a $6 increase. Do you get overtime often?

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take increase in $6 per hour with no benifits

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That's like an additional $12k a year.

Does the retirement have a pension? Or matching 401k? Also the higher your pay is (which I can't imagine is very high if you don't have benefits), the less appealing that $12k looks.