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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:
AzureRose · 06/02/2026 23:05

Anna2111 · 02/02/2026 16:43

Yes that does worry me - the hard graft lasts for around 15 years and then only gets easier if you become a consultant which is not guaranteed.

You think it's easy to be a consultant? Maybe in terms of hours, but having absolute response for the decisions.And the back stopping with you is a bit scary

It's a bit weird this thread.This kid is only sixteen and already talking about a fuck tonne of money via mum. Don't do medicine if money is the motivation.

Anna2111 · 06/02/2026 23:17

AzureRose · 06/02/2026 23:05

You think it's easy to be a consultant? Maybe in terms of hours, but having absolute response for the decisions.And the back stopping with you is a bit scary

It's a bit weird this thread.This kid is only sixteen and already talking about a fuck tonne of money via mum. Don't do medicine if money is the motivation.

I just meant in terms of hours working on nights/ weekends etc. being a consultant is not easy at all. Especially being responsible for a team. I think most people who go into medicine do so to help people but also with the hope of a stable reasonably well paid job.

OP posts:
OhDear111 · 07/02/2026 00:22

@mumsneedwine at the moment! Not overall. Try finance then!

OhDear111 · 07/02/2026 00:24

@Anna2111 Highly paid Finance people might be working silly hours! Do you think they do 9-5 for £250,000?

nocoolnamesleft · 07/02/2026 00:32

Anna2111 · 06/02/2026 23:17

I just meant in terms of hours working on nights/ weekends etc. being a consultant is not easy at all. Especially being responsible for a team. I think most people who go into medicine do so to help people but also with the hope of a stable reasonably well paid job.

As a consultant, I work one weekend in 6, by which I mean I am on for 48 hours straight. I am also oncall one night in 6 - ie work the day before, then can be in during the night, but still have to work the next day. I think you may have unrealistic ideas of how easy life is for us.

In general, however, the standard advance for going into medicine is only do it if it's the only thing you can imagine doing, and you are passionate for it. Otherwise it will probably destroy you.

HundredMilesAnHour · 07/02/2026 08:59

OhDear111 · 07/02/2026 00:24

@Anna2111 Highly paid Finance people might be working silly hours! Do you think they do 9-5 for £250,000?

Very true.

In such a global industry, it can also be difficult to tell what long hours people are working unless you know them well. You can’t judge on ‘office time’. If you looked at some of my team, you’d think they were living the dream swanning into the office at 9.30am and disappearing off home at 4pm yet earning 6 figures. What you don’t see is that they were in meetings with APAC 5am-8am, and then have late calls in the evening with the US, and only get to catch up on their non-essential work at the weekends.

Even the trading desk heads / senior traders who need to be in the office to actually trade (due to the regulators), will still do a lot of ‘out of hours’ non-trading work on top of their office hours.

This part of finance isn’t visible to most people outside of the industry or sometimes to more junior people within the industry but these ‘extra’ hours are very normal.

mumsneedwine · 07/02/2026 09:07

As I said, I used to work in finance and know it can be long hours. But no one dies and you are very well paid. Doctors also work long hours, in very bad conditions and for not massive pay (strikes are not for fun). There is also v little job security these days and many doctors don't have jobs. You also only one employer until a consultant, have little to no say in where you work, are moved every 6-12 months and have to study for v hard exams whilst doing nights, long shifts etc.

Medicine seems great if you really want it. It's not something to do half heartedly. Or for the money or prestige.

Anna2111 · 07/02/2026 09:08

nocoolnamesleft · 07/02/2026 00:32

As a consultant, I work one weekend in 6, by which I mean I am on for 48 hours straight. I am also oncall one night in 6 - ie work the day before, then can be in during the night, but still have to work the next day. I think you may have unrealistic ideas of how easy life is for us.

In general, however, the standard advance for going into medicine is only do it if it's the only thing you can imagine doing, and you are passionate for it. Otherwise it will probably destroy you.

Thsnk you for outlying your on call rota. I couldn’t really imagine doing that now being nearly 50 myself. From what I have read consultants are called / are needing to be more and more present in hospital whilst on call too. Even specialities that were traditionally not usually expected to come in much. So not only do they have a.huge responsibility but also still have to work weekends and evenings too. I couldn’t do it. But il’m grateful to those who do make the sacrifice.

OP posts:
Tigerbalmshark · 07/02/2026 09:24

AgeingDoc · 02/02/2026 17:23

I am afraid it is a myth that it gets easier when you are a Consultant. Obviously it depends to a degree on your specialty and where you work, but the last on call I did before I retired I was in the hospital providing hands on clinical care for 20 out of the 24 hours and that was not unusual. And the additional responsibility is huge. The pressure of being head of department nearly tipped me over the edge and I have seen massive amounts of burn out in consultant colleagues in many specialties. The last 5 years of my career were without doubt the worse and for the first time in my working life I actually didn't want to go to work any more. Back when I was a junior we worked far longer hours than they do now but even in the days when a working a weekend meant starting at 8am on Friday and leaving at whatever time your routine work finished on Monday evening, I enjoyed that far more than being a senior consultant.
There are lots of good things about a career in medicine of course and I do feel privileged to have had the opportunity but I would not recommend it to anyone who doesn't really want it and who doesn't have a thorough understanding of what is involved.
I'd struggle to find any of my friends and former colleagues who'd agree that "the hard graft lasts for around 15 years and then it gets easier" I'm afraid. More or less everyone I know who is around my age is desperate to get out if they haven't been able to already.
Unfortunately it is very difficult to get work experience these days as most Trusts no longer allow it, and you can only get a very sanitised view anyway. But I would advise your DD to try to get some experience in some kind of care environment and if possible, talk to doctors at different stages of their careers in different specialties to try to get as much insight into the life as she can.

Agree with all of this - I’m not a surgeon, and in my on call weeks (4 per year) I am resident in the hospital for at least 14 hours per day, and then woken up with calls throughout the night. I work weekends and evenings as a matter of course (was at work until 1am completing admin and will be in this evening writing material for a course I’m running in April). Surgeons have even less family-friendly job plans. Though people in finance also work ridiculous hours so I suspect any well-paying job will be similar.

I became a consultant aged 39, and aside from 1 year of maternity leave, that was full time training. Most consultants in London teaching hospitals will do a PhD as a matter of course. Many will spend time as teaching fellows, or anatomy demonstrators, or clinical fellows/research fellows as well. It is completely normal to become a consultant in your late 30s/early 40s, so training is generally 20 years not 10-15.

The pay is also much lower than in finance - the pay is absolutely fine, but for example private school is completely out of the question for us, we live in a very normal London terraced house (3 bedrooms, ex-council) and don’t run a car. Obviously if you live in Newcastle or Norfolk your money will go further (the pay is the same nationally).

On the plus side the pension is good, you can move overseas easily should you wish to(lots of people do temporarily for the experience, and come back), there is a tonne of camaraderie, and while some junior doctors have difficulty getting into the exact jobs they wanted, you are unlikely to be out of work for any prolonged period of time.

I love my job and don’t really see talking to patients as “work”, plus half of my friends work in the same department so very sociable. And my job is flexible enough that I can do a lot of school drop offs and pick ups, though obviously the other side to that is working into the evening afterwards. But medicine is a life not a job.

Would be nice to see some advice from finance people as I expect there are plenty of negatives there too!

Comtesse · 07/02/2026 09:25

i’d vote for finance (or accounting or actuarial or similar). I don’t think I’d want to be employed by the NHS tbh.

mumsneedwine · 07/02/2026 09:54

Being a resident doctor is very different to being a consultant, but can't get to one without the other.
So if want to be a consultant it will 10-20 years of hard slog.

These days doctors have v little say where they start their careers (it's a random algorithm), massive obstacles to get a job after foundation (doctor replacement, 40,000 worldwide applicants for the 12,000 roles, lack of locum jobs, lack of any jobs). Many young doctors are not currently working as doctors as they can't get work - some are teaching, some abroad and some working in Tesco). They are moved every 6-12 months for 7 years, again with little say (although at least in one Deanery - which can mean 2 hour commutes). And then it's a scramble to get a consultant job as not enough of them either.

Not saying don't do it. But go into medicine with your eyes open as it's not what it was. It's not a stable career where you can stay in one place and have continuous employment. And the pension is v expensive to the employee these days too so it's not a freebie. What with that and student loans you are paying an effective tax rate of 58% as an ST1.

OhDear111 · 07/02/2026 10:10

@TigerbalmsharkI think that’s a fair summary. It’s not all doom and gloom and the government are aware of the current employment situation which clearly won’t be tolerated forever! The employer (us) contribute around 24% to pensions. For this reason they are stellar and many access them early. Again, it’s a better deal than others get.

Finance - it’s way more difficult to get the high paying entry jobs. There’s global competition and always has been. No shoe-in promised for home grown talent. The tax position is exactly the same! Higher earnings are possible of course but my goodness, you work for it. Similar vibes with co workers if you are lucky . You come up for air occasionally and DD says her friends doing this see lots of drug use and burn out. Many doctors look over their shoulders and think they would do these jobs and somehow there’s no price to pay. There is. Some people love it, many get out. The big consultants like PWC are kinder. Any American company in finance will be tough going. Same applies to law.

Anna2111 · 07/02/2026 10:52

Dd has to figure out what she would enjoy more ! That’s the bit she doesn’t know about. She doesn’t mind working long hours . But as someone says working long hours as a doctor and potentially making a mistake which could lead to someone dying is quite different to working long hours in finance. I don’t know anything really about finance but I imagine if you make a big mistake you could cost a company lots of money and lose your job.

It seems like you have the option in finance to move to a less intense / possibly lower paid jobs after a few years. Is that correct ?

Medicine doesn’t seem to have that option. As in registrars/ non training fellows - if they don’t become consultants basically work super long hours indefinitely. Unless you move into public health or less patient facing roles. I could be wrong though!

OP posts:
OhDear111 · 07/02/2026 12:08

Medicine does. They go abroad. Lots go part time. Finance can be very early burn out. It’s global. It’s often not uk hours. Yes, these are the highly paid roles but few get them. It’s not an equal choice between high earning finance and a doctor. Finance is global. Vast numbers of grads apply. They are all brilliant candidates. Very few doctors make mistakes that directly kill people. In finance you are more likely to feel dead.

OhDear111 · 07/02/2026 12:14

Just to add: I think there’s better life/work balance with the big consultancy/service companies like EY or PWC. Judging by DDs friends anyway. They employ a variety of people with differing skills. More flexible work patterns.

seveneight · 07/02/2026 12:56

These days doctors have v little say where they start their careers (it's a random algorithm)

@mumsneedwine It's true there's an algorithm used to determine the order in which foundation places are allocated but it's still based on applicants' preferences. Last year 84% got their first choice of deanery.

https://foundationprogramme.nhs.uk/2025-foundation-programme-allocation/

poetryandwine · 07/02/2026 13:07

As a matter of interest, the NY Times has an article today about the current limitations of AI. It consists mostly of a joint interview with some of the eminent mathematicians who just published the preprint First Proof in the AI subsection of CS at arxiv.org, (a well known scientific preprint server) that I mentioned upthread. The article is called ‘These Mathematicians are Putting AI to the Test.’ I am sorry that it is behind a paywall. Perhaps someone can link it.

This is the first of two papers but the upshot is that two major AI tools performed very disappointingly on tiny research level problems. In the newspaper the authors make further points about its limitations.

I am writing to assure anyone interested in the field that much work remains to be done in AI. It may be true that in a few years people who can execute today’s AI will be thick on the ground, but that isn’t the question. Any tech-orientated firm interested in staying competitive will need to develop in ways we cannot even predict, and will need people who can do this.

mumsneedwine · 07/02/2026 13:11

seveneight · 07/02/2026 12:56

These days doctors have v little say where they start their careers (it's a random algorithm)

@mumsneedwine It's true there's an algorithm used to determine the order in which foundation places are allocated but it's still based on applicants' preferences. Last year 84% got their first choice of deanery.

https://foundationprogramme.nhs.uk/2025-foundation-programme-allocation/

Edited

True. But those 16% mostly hit their 18th choice. And even getting your first choice only means deanery. Not location.

seveneight · 07/02/2026 13:15

mumsneedwine · 07/02/2026 13:11

True. But those 16% mostly hit their 18th choice. And even getting your first choice only means deanery. Not location.

95% got one of their top 5 choices. Only 0.03% got their 18th choice. Which admittedly would be tough for those unlucky 0.03%!

https://foundationprogramme.nhs.uk/wp-content/uploads/sites/2/2025/02/UKFP2025-Comparison-of-FP-allocation-results.pdf

https://foundationprogramme.nhs.uk/wp-content/uploads/sites/2/2025/02/UKFP2025-Comparison-of-FP-allocation-results.pdf

mumsneedwine · 07/02/2026 13:18

Deanery. Not actual location. Some deaneries are huge. Top 5 choices still makes it a pretty random way of deciding where you'll live.

user1471548941 · 07/02/2026 13:26

One thing to think about with finance- you’re only going to be using your maths skills in your entry level analyst roles really unless you go specifically into trading or analytics. If she’s thinking sales it will be long hours and heavily people skills focussed.

However, there are lots and lots of analytical thinking roles across the whole industry- thinking about AI, transformation, change that are interesting and engaging without needing to work all the hours god sends. I earn nearly £100k in a back office role outside London and work 9-6 mainly! The role involves lots of analytical thinking and problem solving and then presenting to senior business people!

seveneight · 07/02/2026 13:27

Agreed. And definitely worth considering when weighing up Medicine Vs Finance. Having said that, not many careers are as flexible location-wise as being a GP.

Edit: that was in reply to @mumsneedwine

Needmoresleep · 07/02/2026 13:32

@Tigerbalmshark
My view, with a DD who is at F3 stage, is a part of the NHS outside London are now so stretched that the damage is probably permanent. Even if the money were available, the lack of career path, the loss of expertise, structure and comradery means that it would be very difficult to rebuild.

You say that pay is the same across the country. It is not. Health is devolved. Contracts and working hours are also different. However decisions on who is awarded a training number are centralised, and a couple of years ago, for equality reasons, F1 placements were no longer based on merit (points) but on a mix of preference and random allocation, meaning a computer would decide whether you ended up on a tougher contract with lower pay or were awarded the luxury of a London teaching hospital with good access to research and time to study. Being allocated a training number is largely based on exam performance and add-ons such as research and competitions. Actual job performance does not come into it.

DD has done well. After a major wobble when it became clear that she would struggle to progress, even work, in the UK she is now certain medicine is her vocation. She is not in England so her F1/F2 were under the old contract. Lower pay, longer hours and no personal development time. Indeed mandatory training had to be done in your own time. In compensation she got loads of good hands-on experience, worked with a very strong cohort and walked away with some very strong references including one from a "big name". Honestly if you had to be treated by an F3 you should be asking for DD or one of her peers.

DD worked with some lovely consultants who were doing their best to keep things together. One department was missing 50% of their registrars and senior registrars (the competition for training numbers is such that those with them can be very picky about where they go, leaving less popular areas with no-one to appoint, and a struggle to retain), so consultants were on call one night in four and the wait for urgent referrals was two years. Not surprisingly consultants are leaving too, and replacement from overseas of consultants new to the NHS can be/is problematic. A couple of departments, without strong consultant leadership were difficult places to work, with comradery already lost. At least one of her F1//F2 options disappeared because the department lost its permission to take newly graduated doctors because they could no longer provide the right training environment.

Virtually no one DD knows got onto training. F1/F2s jobs under the old contract were very demanding and there is very little research to tap into. The exception was a friend who had studied overseas who advised that £20,000 bought you the research credits and competition prizes needed.

And so it goes. Those without training are forced into competing with hundreds of overseas applicants for LE jobs. There is no resident priority so they will go to people with strong post F2 experience, rather than those without. Instead they join a large pool of underemployed locums, struggling to work in medicine let alone gain useful experience, and without the sort of access to patient data that would allow them to do audits or other research, even though the senior colleagues around them would love help.

DD, as a locum, earns half of what the post holder earns, without any of the benefits of secure employment. She is good, her temp contract has been renewed five times, and there is a level of panic about her leaving as it will leave her colleagues very exposed. (She is the first of five locums to last even though she was by far the cheapest and the most junior.) Various of her previous F2 departments would employ her, or her equally qualified peers, in a heartbeat. But the system does not allow them to. She has bought a house and would love to stay in the Deanery and do her training there. But instead at least 7 colleagues are headed for the same hospital in Australia and vacant posts in her Deanery will continue to be filled from overseas. (All of the SHOs in an adjacent speciality are IMGs, from all over and most on short term of locum contracts. Essentially in the same position, with little chance of a permanent post and even less chance of training. It is an understatement to say that morale is low.)

Things are not that bad in London, but the problems are systemic and unless addressed, more of the NHS will be affected. Sadly by then DD and her friends will be lo0ng gone and people like Ops DD will have decided not to consider medicine as a career.

mumsneedwine · 07/02/2026 13:37

seveneight · 07/02/2026 13:27

Agreed. And definitely worth considering when weighing up Medicine Vs Finance. Having said that, not many careers are as flexible location-wise as being a GP.

Edit: that was in reply to @mumsneedwine

Edited

Currently 1,500 fully qualified GPs don't have any job. Anywhere.

Tigerbalmshark · 07/02/2026 13:39

Anna2111 · 07/02/2026 10:52

Dd has to figure out what she would enjoy more ! That’s the bit she doesn’t know about. She doesn’t mind working long hours . But as someone says working long hours as a doctor and potentially making a mistake which could lead to someone dying is quite different to working long hours in finance. I don’t know anything really about finance but I imagine if you make a big mistake you could cost a company lots of money and lose your job.

It seems like you have the option in finance to move to a less intense / possibly lower paid jobs after a few years. Is that correct ?

Medicine doesn’t seem to have that option. As in registrars/ non training fellows - if they don’t become consultants basically work super long hours indefinitely. Unless you move into public health or less patient facing roles. I could be wrong though!

Yep, I wouldn’t say that’s accurate. It is actually pretty difficult in medicine to make a mistake severe enough that you are solely responsible for the avoidable death of a patient - I have definitely never directly killed anyone and I don’t know anyone who has. There are things you might have done differently with the benefit of hindsight, but even as consultants we work in teams and have plenty of colleagues to chat to if somebody is deteriorating. One of my consultant colleagues rang me at midnight on Thursday (I’m not on call) to ask my opinion on something.

Whereas in Finance, if you underperform you are booted out. DH works in Fintech and people just vanish one day if they have a bad project, which leads to a lot of job insecurity and anxiety.

Lots of people who don’t become consultants retrain as GPs, or go into Pharma/clinical trials work, or work as SAS doctors (usually 9-5). There are not tonnes of 50 year olds stuck in trust SHO posts.

i know you get s lot of you information about medical life from disgruntled SHO-level doctors, and I honestly don’t think they have the distance or experience to see the wider picture. I hear a load of alarmist rubbish from my IMTs about getting thrown off the programme if they haven’t done enough clinics etc, and as TPD I know it is absolutely untrue.

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