Help end medical misogyny. Sign our petition.

Help end medical misogyny.
Sign our petition.

Sign the petition

Please or to access all these features

Higher education

Talk to other parents whose children are preparing for university on our Higher Education forum.

Medicine or finance !

154 replies

Anna2111 · 02/02/2026 12:59

Hoping for some advice- mydd 16 is trying to choose between medicine and finance careers. Good GCSEs 9 9’s, 1 ‘8’ and a levels predicted 3 a stars - very good at maths. Thinking of adding FM if doing finance/ economics.

Finance seems better pay initially but university selection matters more( lse tc hard to get in ) - but long term do you still need to work crazy hours when you are 40?
she is interested in global markets not trading.
but not sure about people in finance is it really cutthroat ? Is there job security ? Is it rewarding ?

medicine - rewarding but long hours. But hours reduce if get to be consultant but given job crisis not sure if everyone will be to consultant.

any advice would be appreciated! Maybe anyone with kids who are Resident docs or economics graduates.

thank you !

OP posts:
MrsBennetsPoorNervesAreBack · 02/02/2026 17:56

AelinAG · 02/02/2026 17:53

I work at a university and the head of our medical school always says don’t go into medicine unless you can’t imagine doing anything else. That’s always stuck with me.

Graduate entry is wildly competitive and very hard financially so you’d need to go into it with eyes wide open and confident you could financially support her.

That's interesting. "There is literally nothing else that I can see myself doing" was the constant refrain from my dd when she was considering her options. And she still feels like that now.

poetryandwine · 02/02/2026 20:51

Anna2111 · 02/02/2026 17:22

It’s looks like the perfect job to me , well paid, 9-5, can work part time. Are you an actuary ? Is it lots of spreadsheets ? Do you interact with people much ?

No, I am a Maths-adjacent STEM academic. A number of our students go into finance and some each year go into the actuarial field. The personal tutees I have kept in touch with who have taken this path have been happy with it.

poetryandwine · 02/02/2026 20:58

Also, OP, we have a newly qualified (medical) consultant and a financial professional in the younger adult gen of my family. I agree 100% that a career in medicine is only for those who feel absolutely driven in that direction and that any other life would be half lived.

The financial professional is a wonderful person, works very hard and gets a lot of satisfaction from their job, but would be the first to say they don’t feel the same intensity of vocation.

Planner2026 · 02/02/2026 21:03

I’ve got a doctor. It is really, really tough and the pay is nothing like what she’d earn in finance.
But finance is ridiculously difficult to get into now sincethe bright sparks have pivoted in that direction.
Encourage your daughter to also consider law, dentistry and strategy consulting.

Getching99 · 02/02/2026 21:47

I’m married to a doctor and work alongside a lot of people in finance.

I think she needs to get as much insight as she possibly can into what the jobs are actually like as they could not be more different. Medicine is incredibly rewarding on a personal and intellectual level. Pay is low for the level of academic smarts you need to get into it hence being a vocation for most who make the choice. Overall a very collegiate atmosphere (albeit there can be a lot of politics) and NHS has traditionally been a job for life (acknowledging the training spot difficulties that need addressing, which are a very recent development). Requires being a people person.
Finance does vary depending on the type of work but is a very dog eat dog, competitive environment and the banks and finance houses are ruthless in how they treat their employees - there is minimal job security. There are a lot of very smart people but it isn’t necessarily about the intellectual challenge. All about the money and profit and that does in terms of pay as well.

Honestly chalk and cheese to me so I suspect the right answer will come from getting more insight!

StrawberryJamAndRaspberryPie · 02/02/2026 22:06

No you don’t work crazy hours at 40 in finance. DH chose this route and works 9-5 (3 days /5 at home) for 90k. He could be in a higher paying job that does require crazy hours but that’s not what he wants. It can be secure or risky completely depends on the sector and role you go for. There are a lot of options though and he got a new job within a month of deciding to change recently.

Alternatively my sister is 34 and just paid £600 to do yet more doctor exams. She earns 45kish for 3 days a week.

People die if you fuck up as a doctor but not in finance. If medicine isn’t your vocation then you will really struggle. Sis says you have to really love it or it’s not worth the work and trauma.

Shrinkhole · 02/02/2026 22:31

Medicine is a vocation and a very tough one. No one who thinks they would like to do anything else should do it. Especially not finance. The values required for each are incompatible.

Shrinkhole · 02/02/2026 22:34

PS it is not easier being a consultant. It’s less hours and less irregular hours usually yes but the buck stops with you re: life and death decisions including those made by other people in your team. That’s very stressful.

Anna2111 · 03/02/2026 08:00

HundredMilesAnHour · 02/02/2026 17:46

Finance seems better pay initially but university selection matters more( lse tc hard to get in ) - but long term do you still need to work crazy hours when you are 40? she is interested in global markets not trading. but not sure about people in finance is it really cutthroat ? Is there job security ? Is it rewarding ?

Global markets is indeed cutthroat with little to no job security. And yes, you generally work crazy hours regardless of age/seniority. The pressure is insane and it all happens at the speed of light with the additional pressure of constant change/innovation and brutal politics. It’s very much a sink or swim environment. And just because you swam today, it doesn’t mean you won’t sink tomorrow.

On the positive side, get it wrong in Global markets and you won’t actually kill anyone. So there’s that!

It sounds like her heart has been in medicine until now but Global markets has turned her head a little? It really depends what she wants and what she is most passionate about. Global markets most definitely isn’t an easy option. And that better pay comes at a significant cost. It is as far from a caring profession as you can get. It changes people. You have to change to survive. And it can be very hard to change back or remember who you used to be and what really matters (which isn’t money!)

Yes you are right - she’s wanted to be a doctor since she was young. Hoping to help people and be well paid. But since she finds maths so much easier than the other subject so looked at finance - now is confused. We don’t know anyone in the field.
I have thought she could medicine with an intercalated bsc in health economics giving her both options!

OP posts:
poetryandwine · 03/02/2026 08:11

Anna2111 · 03/02/2026 08:00

Yes you are right - she’s wanted to be a doctor since she was young. Hoping to help people and be well paid. But since she finds maths so much easier than the other subject so looked at finance - now is confused. We don’t know anyone in the field.
I have thought she could medicine with an intercalated bsc in health economics giving her both options!

She could!

There are other ways to combine maths and medicine also - mathematical biology, certain aspects of medical research ( which do not preclude helping people), etc

Rubb · 03/02/2026 08:17

NC for this as quite outing
I found myself in your daughter’s position nearly 20 years ago (gulp!)
I did bio/chem/maths/further maths at AS with an EPQ (medicine related) and dropped FM for A level.
I ended up applying to medicine, it took two years of application to get an offer as in truth I had decided quite late and so needed to get work experience etc up to date, in my gap year I worked as a nursing auxiliary (definitely aided my application and was great experience for learning how a hospital works, how to communicate with patients and colleagues and gave me appropriate appreciation for those at the bottom of the pay scale with the hardest jobs. I then did this ad hoc to help fund uni too, many med students did).
I don’t regret my decision, I have finished my training now and I work as a GP. I love my job and it is definitely the right one for me. I will say that if you don’t enjoy the job (many don’t) it is catastrophic for your wellbeing for many reasons :-

— most people who do medicine could have done many other well paid careers working in better conditions
— it is relatively well paid compared to gen pop but not compared to finance
— all of 20s and some of 30s given over to training which isn’t just the job but a lot of unpaid hours of extra work including expensive self funded exams
— exposure to the best and worst of humanity and human experience at a young age, often repeatedly, in the middle of the night with limited support and a lot of responsibility
— the general public and press think you are public property “because I pay my taxes” and you do get a lot of shit for things beyond your control, nhs is a broken system and can’t do what the patient needs a lot of the time l. Need pretty thick skin.

There are loads of positives of course! But your daughter should consider carefully. If she doesn’t really want it, she will prob be miserable .

boris18 · 03/02/2026 08:46

The belief that Medicine is easier/less stressful as a Consultant is completely mistaken. The responsibilities (managing patients, teaching, running a service, audit, mentoring trainees, coping with internal hospital and external political policies to mention a few) are huge. You do not slog for 15 or so years and then get to relax. The pressures change but do not diminish. Medicine has an inherent uncertainty, diagnosis and management decisions are not necessarily straightforward. Continuing education is a constant. Patients can be uncooperative, abusive and litigious as well as profoundly grateful. There are many situations where there is not an obvious right answer and the need for self belief, confidence and humility is paramount. It is a profession that can be incredibly rewarding and meaningful but it is not one for the faint hearted. To practice properly and in a way that the public deserves is a huge commitment. It is so important that aspiring medics think very carefully about the sort of person they are and what they want from life. In my opinion 18 is far too young to have that sort of self knowledge. The best doctors I have known have been those who trained having already had life experience. I have recently retired after 40 years in the NHS with 28 of those as a consultant. I can’t believe how free from stress I am now. I wish your daughter well.

Anna2111 · 03/02/2026 10:49

boris18 · 03/02/2026 08:46

The belief that Medicine is easier/less stressful as a Consultant is completely mistaken. The responsibilities (managing patients, teaching, running a service, audit, mentoring trainees, coping with internal hospital and external political policies to mention a few) are huge. You do not slog for 15 or so years and then get to relax. The pressures change but do not diminish. Medicine has an inherent uncertainty, diagnosis and management decisions are not necessarily straightforward. Continuing education is a constant. Patients can be uncooperative, abusive and litigious as well as profoundly grateful. There are many situations where there is not an obvious right answer and the need for self belief, confidence and humility is paramount. It is a profession that can be incredibly rewarding and meaningful but it is not one for the faint hearted. To practice properly and in a way that the public deserves is a huge commitment. It is so important that aspiring medics think very carefully about the sort of person they are and what they want from life. In my opinion 18 is far too young to have that sort of self knowledge. The best doctors I have known have been those who trained having already had life experience. I have recently retired after 40 years in the NHS with 28 of those as a consultant. I can’t believe how free from stress I am now. I wish your daughter well.

Thank you for detailing the challenges of being an nhs consultant. I thuink any well paid job is hard but medicine requires dealing with uncertainty and mistakes can lead to death/ morbidity which is not east to cope with. Hopefully once she does the hospital work experience and speaks to some f1/2 drs she can make a decision. Deciding on a career at 16 is hard !

OP posts:
MidWayThruJanuary · 03/02/2026 10:53

One of mine is in finance - trading. It's what she has wanted to do since she was 16. She loves it and loves the life. The rewards are stratospheric - she will be able to buy a house mortgage free by the time she is 30. She will be able to completely change career in her mid 30's if she wants to. She has a very healthy work life balance.

Needmoresleep · 03/02/2026 11:37

I am a decade on but DD read Medicine and DS read Econometrics (EME at LSE). Once they had their places it felt as if I had successfully navigated parenthood but it seems that parenting never ends.

The job market has completely changed in the last five years. Finance, especially the quant side, seems very affected by AI. A tenant of mine who works as a data scientist has seen her responsibilities grow, her salary remain the same and many colleagues losing their jobs and not being able to find others. DS, now with a strong academic CV including a PhD from a good US University, is seeing the academic job market disappear and alternatives such as consultancy become far more competitive.

Medicine is a nightmare. 50% of those finishing Foundation 2 in August were unemployed. The national debate so far has been about training places, but only a small proportion of UK graduates were ever going to be able be accepted for the very limited number of specialist training places. (What was more shocking was that over half of those training places were then given to people from outside the UK who may have no intention of staying once qualified. This is the issue that Wes Streeting has just addressed. )

The real problem is that other entry level staff jobs including designated F3 roles, the ones that 90% of the cohort would be aiming for, are open to full international competition. So several hundreds of applicants per place and appointment having to go to the best qualified, often someone with several years experience motivated by relatively high UK salaries and the prospect of expedited family settlement. Some Trusts are now adding experience of the NHS as a desirable attribute which is allowing some of the newly qualified doctors to get onto short lists, perhaps recognising that UK resident doctors are more likely to first turn up and to then stay. However the big pool of unemployed and under employed doctors is having a major impact on salaries and working conditions. And to be honest I can't see how the NHS, which has become very reliant on exploiting this, can change things in the short term.

(They could and should add go back to applying resident priority which would mean that new visas would only be issued for overseas doctors if there were no suitably qualified UK resident applicants, but that is not something that sits well with various lobbies including some within the Labour Party.)

At the end of F2 and after six weeks with only four shifts, DD landed a job covering for a Specialist Associate Doctor. Four previous locums had apparently failed, the last only lasting a day, so a decision was made to select someone who knew and was known to the hospital, even if they were more junior. Google suggests that a specialist associate is an "experienced, senior clinician in the NHS who work permanently within hospital or community teams, operating outside of traditional training pathways and below the consultant level. They will have at least four years of postgraduate experience (two in a specialty) and focus on direct patient care". Haha. 25 very sick patients, on her own for 50% of the week with just some F1s for/to support. A short term contract that is only ever renewed at the last minute. No scope to take more than the odd day's leave. Regular crises that mean staying late. And only paid as an F3, half the salary of the post holder. She learned a huge amount in her first three months, but is now close to burnout. As a locum, there is no support, no training, no pension, no sick pay, and with no access to or time for research, very little chance she could compete successfully for a training number. There appears to be a whole army of doctors in a similar position, often recruited on limited term contracts from overseas, but increasingly home grown graduates. They keep the NHS running - just about. Though DD is still bright eyed, motivation generally is grim, something she understands and something she expects would happen to her if she stayed.

Luckily for her she has landed a great F3 rotational job in Australia in the city and speciality she wanted. She knows 15 others from either F1/F2 or from medical who are headed for the same hospital. After a year she gets the chance to apply for training there, and should be able to do the same here. (I am not sure after yesterday's legislation prioritising UK trained doctors for training, whether those living overseas count.) In short she should end up working as a doctor but probably not in the UK. And with a lot of soul searching during the past few months she has realised she loves working as a doctor and that she is good at it, but the NHS is an awful employer.

It is such an uncertain world. Advice is that breadth will be increasingly important. Study for your degree but also run a University society, do paid or voluntary work, take part in team games or activities. Be the applicant with more to offer than just technical skills. As the quant world becomes more competitive the candidate who offers broader interpersonal skills and adaptability will be at an advantage. Equally a significant part of DD's job is discussing DNRs. Not something easily taught at medical school but a task others are increasingly passing to her.

It might be worth considering that medicine is not a one direction career path. A senior finance person told me that they are increasingly hiring medics for finance roles because of such candidates will be bright, have good communication and leadership skills, and be able to cope in crisis, and obviously have an understanding of how the healthcare market works. It is worth looking at intercalation options. For example this is very sought after amongst students wanting to pivot away from medical practice. www.imperial.ac.uk/medicine/study/undergraduate/intercalated-bsc-programme/management/

Anna2111 · 03/02/2026 11:43

MidWayThruJanuary · 03/02/2026 10:53

One of mine is in finance - trading. It's what she has wanted to do since she was 16. She loves it and loves the life. The rewards are stratospheric - she will be able to buy a house mortgage free by the time she is 30. She will be able to completely change career in her mid 30's if she wants to. She has a very healthy work life balance.

That’s interesting. Could you advise what the hours like ? How is the job security ? Is she able to switch off out of work as the markets/ geopolitics are always changing ? I think one of the things putting her off is that no one in her school has gone to do a finance / economics degree for years even though it’s a girls school and plenty do economics a level ( the teacher is great ). It feels like a huge risk to her - 12 people are applying for medicine and she gets on with them. Whereas noone is applying for economics - one person ppe. Are there many girls now in trading ?

OP posts:
Needmoresleep · 03/02/2026 11:47

Not, probably for your daughter, but generally when considering future job markets, it may be worth people broadening their approach.

A friends son, the same age as mine and academic, decided he did not want to go to University. There was nothing he particularly wanted to study and he liked the practical. He became an electrician, has his own business, has a good life and is on his way to paying off his mortgage. Modern non-domestic electrical and heating systems can be very complex. (I am currently trying to get my head around installing EV charging points into the communal garage of a block of flats and with an electrician pointing out all sorts of possible technical issues.) People who are bright and practical problem solvers earn huge amounts.

Again from Google "Ivy League institutions (such as Brown and Harvard) are increasingly investing millions into workforce development, trade schools, and apprenticeship programs to address skilled labor shortages in the construction industry."

Anna2111 · 03/02/2026 12:21

Thank you everyone for your replies. They are definitely interesting. ‘Need more sleep’ really interesting to see both perspectives. Looks like both jobs have their pros and cons. Looking after 25 sick pts without a registrar is scary ! I think eventually Australia will be saturated with uk doctors! The intercalated degree is a great idea as if she decides that medicine isn’t for her then she has other options. I’m not sure how hard to it get onto those courses.

OP posts:
hicketypickety · 03/02/2026 12:58

Came on to suggest something in actuarial but I see others have got there before me! It is a varied career and suited to someone with very good maths skills.

Needmoresleep · 03/02/2026 13:03

DD was very undecided between medicine and engineering. Her solution was to opt for Bristol Medical School which allowed for external intercalations and then spend a year at Imperial studying biomedical engineering. She later spent her 2 months elective in an Imperial research lab. This meant the door was open to her switching to engineering had she wanted, indeed the Imperial careers office would send her information about job vacancies with some pretty eye-watering starting salaries.

To do an external intercalation you need to check whether the medical school allows it and what conditions they apply. Eg for some you need to be in the top 10% of the cohort. Oxford and Cambridge, who offer a six year degree, have a good range of internal intercalations so you can't go outside. A vet friend of DDs managed to go to Europe for a very specialised equine course.

https://www.intercalate.co.uk/institutions/

Most are straightforward to get onto, the universities want the money, though the Imperial's engineering one was selective. (You are dumped into the third year of an engineering degree so they need to know you can hack the maths.) My understanding is that Imperial's management one is very sought after and so competitive. Imperial also offer ethics and law, which would seem a good preparation for someone who wanted to pivot into medical law.

One tip is to go to open days a year before. Closing deadlines are sharp and you might need to get permission from your own medical school so it is good to have time to prepare.

I agree about expecting someone to manage without at least a reg. DD was very careful to double check with the hospital duty med reg when there was any doubt at all, and they understood and were supportive. Lots of co-morbidity so actually having recently left medical school with up to date knowledge was not a bad thing, and it was useful to already have networks within the hospital. But having decided to put someone in who was inexperienced, there should have been some support. It's probably an extreme case but the NHS really does seem to see doctors as numbers, especially locums. There seems no sense that staff should be recognised or valued.

Australian jobs in remote locations or less popular specialities including A&E will probably always be available. But getting the sort of job Australian residents want is more competitive. Australia gets a good deal. DD is getting £2,000 relocation which goes nowhere near covering the costs of visas, police and health checks, fares and initial accommodation. Cheap compared to the £400,000 the British taxpayer has invested in her, so little reason for the Australians to expand their own medical education. Then Australia gets to keep and train the best of the bunch. Australian specialist training is not automatically recognised in the UK, despite it being very similar to or better than that in the UK, so staying for training is likely to be life time deal.

However the conclusion after a year of uncertainty is that she loves being a doctor. It is what she has always wanted to do, and no regrets.

Institutions -

https://www.intercalate.co.uk/institutions/

MidWayThruJanuary · 03/02/2026 13:12

@Anna2111
She would be in the office by 6.30am Monday to Friday (for the markets opening in other countries). Back in her flat by 6.30pm. Never works weekends. Has always read widely and would read current affairs books for pleasure and seems to thrive on the challenges of the changing geo political landscape! There is most definitely a gender gap in terms of numbers of women working in trading vs men but there is certainly no pay gap. The other benefits are excellent - pension, gym membership, very generous maternity/paternity leave policies.
She has a very good social life, goes on great holidays and has a lovely partner.

StrawberryJamAndRaspberryPie · 03/02/2026 13:20

Anna2111 · 03/02/2026 11:43

That’s interesting. Could you advise what the hours like ? How is the job security ? Is she able to switch off out of work as the markets/ geopolitics are always changing ? I think one of the things putting her off is that no one in her school has gone to do a finance / economics degree for years even though it’s a girls school and plenty do economics a level ( the teacher is great ). It feels like a huge risk to her - 12 people are applying for medicine and she gets on with them. Whereas noone is applying for economics - one person ppe. Are there many girls now in trading ?

Why is she basing her applications on other people from her school? Most people don’t know anyone at university or on their course when they start and basing it on liking other medicine applicants at her secondary school is a little bit ridiculous, she may never even see them again!

Finance is predominantly male, but this is changing. Certain sectors more than others - women make up under 20% of trading roles in the UK. Whereas women are 50% of doctors (and rising). But she would earn a lot less as a doctor.

Anna2111 · 03/02/2026 13:29

I think she is worried as to why no one else in her year or previous years had wanted to go into finance. Also that maybe the type of people who go into finance as not very nice compared to medics, who you would hope have a caring nature.

It seems a big risk to her whereas medicine at least to get into, seems the easier option. Also something she knows about ( we know plenty of female doctors ). Econ at a target uni is much more competitive to get into than medicine and we don’t know anyone women who have gone down that route. So it is fear of the unknown also !

OP posts:
Mumofteenandtween · 03/02/2026 13:31

Anna2111 · 02/02/2026 17:22

It’s looks like the perfect job to me , well paid, 9-5, can work part time. Are you an actuary ? Is it lots of spreadsheets ? Do you interact with people much ?

I am an actuary. WFH today all alone on my computer 😂 but only because my dd is ill. Normally I go into the office every day.

There are a lot of spreadsheets. But there is also a lot of interaction with people. (Too much I sometimes think - I would have been quite happy in the olden days to be the “actuary who sits in the corner doing Hard Sums and never speaks”.)

I would describe my job as:-

Do Hard Sums
Talk to people about the Hard Sums
Do even Harder Sums
Talk to even more people about the even Harder Sums

And repeat.

Pe55yP00 · 03/02/2026 13:59

If she goes for Medicine, she needs to think off a back up career if she fails to get in.
I was involved in this career pathway and met so many who put all their eggs in the Medicine basket who didn't get a place at medical school due to very stiff competition.
Good luck

Swipe left for the next trending thread