Doesn't the National Labor Relations Board designate overtime as anything over forty hours? I thought there was a new ruling on that few years ago.
My children are grown, I have no mortgage nor major debt to speak of, but if I did, I would opt for job security and living within my means and planning for a rainy day while doing it.
If you live below your means, you're even better off. It let's that rainy day fund build even bigger.