I ended up taking a job developing software for medical clinics instead, which paid around $30k less. It was the worst, most demoralizing job I've ever had, and I'm counting Wendy's. A year later, they cut 50% of their development staff, including me, and I was let loose into the 2023 developer job market (0/10 do not recommend). At the time I really, really wished I took the fintech job.
Just when I was starting to feel desperate and cornered, literally the same day I got offered a job working on some legacy .NET software for an airline, where the manager gave me really bad vides, and was feeling cornered like I didn't have room to say no, I got offered a job in public transit, working with interesting technology. I'm a contractor, making around $100k less than what the fintech job offered. People are frequently mad at our agency, and it gets a lot of bad press. In other words, they care. They rely on it to get where they need to go and live their day-to-day lives, and our mistakes are visible and painful. My first production issue (a dumb mistake where I failed to account for a null value) was discovered in 15 minutes due to rider complaints. It may sound weird, but I love that. Sure, they were mad about it, and not necessarily very nice, but the fact they were upset? It meant they gave a shit about what I was doing.
Am I happier than if I had just followed the money and taken the fintech job? I can't see down that path. But this is the first software development job I've had in my 15-year career where I'm confident my work is a net positive for the world.