Yes, it is okay to take a pay cut when changing jobs. In fact, it is often necessary in order to change jobs. The reason is that when you change jobs, you are usually leaving your current job for a new job that pays less. The new job may pay less because it is in a different industry, is in a different part of the country, or simply because it is a different job. In any case, taking a pay cut when changing jobs is often necessary in order to change jobs.