Is it a terrible mistake to consider accepting a job with no 401k?

Hi all,

I currently contribute 12% to a Roth 401k and my employer contributes 3% to it.

I am considering a job opportunity that is 13k more gross income a year but does not currently have a 401k option. There are strong perks with this new position that I won't get into as to why I'm considering the change.

I'm scared that I don't fully understand the implications of what this would mean long-term for my retirement etc and I will shoot myself in the foot. I don't know if a 13k increase could make up the difference?

I live frugally and could maintain a similar budget to what I do now. So I'd say 9k before tax at least could be used for investing.

My rudimentary understanding of this is that I will instead be using a Roth IRA. I will immediately hit that 7,500 limit. Amounts beyond that would I guess go to a brokerage fund - which means that those contributions would not reduce my taxable income. I would also have to pay tax on the returns from the brokerage fund.

Advice on how to calculate this accurately? Did your eyes go wide and you thought "wow only an idiot would give up a 3% match"?

Thank you!