I have a choice of two jobs (maybe). Which should I take?

Job B. I'm sure you could handle your arrogant and condescending supervisor at Job A for awhile, but then he'll begin to wear on you. You can be certain that he will steal the credit for anything special you do, as well as block you from any promotions. As for 20% better retirement, that's never a sure thing. Have you never heard of companies letting people go within one year of retirement eligibility? It happens all the time. Take half of the extra 20k you will make and sock it into a retirement fund. Take the other half and save it up for moving expenses for when you can afford to move closer to the job.