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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:
Anna2111 · 07/02/2026 13:43

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

Yes Gp is very flexible but jobs are scarce now.

OP posts:
HundredMilesAnHour · 07/02/2026 13:51

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.

There might be a better life/work balance in consultancy outside of FS but unless you’re very lucky, FS consultancy can be even worse for long hours than working directly in FS. Obviously it depends on the level you are and grads tend it get it easier than consultants with actual experience. It very much depends on your clients. For example, the attitude of some of the banks (or at least the people who work for the banks) is getting consultants in means you can beast (i.e. demand more from) the consultants way more than you can your own staff as your own staff can escalate to HR whereas the consultancies want the fees so badly that it’s an accepted way of behaving. Sad but true. The client always comes first.

Actually, just thinking about it. I started out as a grad in the Big 4 working with non-FS clients and the joke (except it wasn’t a joke!) with one of our multinational clients was that the only person who gets Saturdays off is the manager because he’s Jewish. I kid you not.

There’s a different kind of pressure within consultancy but when starting out it’s a great learning experience and there’s a lot of exposure to different types of clients whilst being supported by those above you in your own organisation. And you will learn ways of working that will stand you in good stead throughout your career.

It’s important to understand that there’s an expectation that you will go wherever and do whatever the client is paying for regardless of your own career aspirations / personal circumstances (e.g. family at home). It’s considered to be part of ‘proving yourself’ and is often what prevents more senior consultants from switching firms because they’ve done all the travel and crazy hours to prove themselves and they don’t want to have to go through it all again but at a more senior level somewhere else.

It’s also very competitive. Not just to enter but also to stay (same as banks). Job security is low. Unless it’s a bumper year for business, most of the big consultancies will cut their bottom 5-10% of performers every year. None of these are bad performers, they’re just not the best of the best. And in bad years, cuts can be brutal. As long as you understand that’s the nature of the game, and that you are competing against all your peers all the time, and you’re just a source of income in the shape of a human, it’s fine. It gets more complex as you gain seniority as then you get into the world of sales targets as well as practice development / thought leadership in addition to actually delivering client work.

Realistically there are very few, if any, “easy” jobs that pay a reasonable salary. It’s more a case of understanding the pitfalls as well as the positives and choosing a role / industry / employer where you can play to your strengths and that doesn’t compromise (too much!) the things that matter most to you. Sounds easy but it isn’t. Failing that, be willing to make lateral or even unconventional moves to get to where you want to end up eventually (by which point you may decide you want to end up somewhere completely different - which is all part of the fun).

mumsneedwine · 07/02/2026 13:52

Job security is not a current feature of resident doctors. Mine did get into training as she does a speciality that needed an exam (which she had to study for whilst also doing her job and couldn't even get the day of the exam off so had to go to work straight after), and if in top 300 then an interview. Ratio of jobs to applicants was 1:23 last year. But many of her friends did not get a job as had to produce portfolio evidence of publications, presentations (at international conferences), extra degrees etc. None of which would have made them a better doctor. As needsmore says, none of the job allocation takes into account how good a doctor they are.

So many training places taken by IMGs who then decide they don't like where they've been placed and leave after a few years. Rota gaps can't be filled at the level.

Do not go into medicine for job security or money. You'll get neither. If, and these days it's quite a big if, you become a consultant after a decade of so, you will make nice money. But nothing close to what you make in finance.

DD loves her job, works with fantastic colleagues (has just moved yet again to a new hospital in a new town), earns enough to have nice holidays. Job satisfaction is huge. But there are much easier ways to earn more !

Anna2111 · 07/02/2026 14:22

mumsneedwine · 07/02/2026 13:52

Job security is not a current feature of resident doctors. Mine did get into training as she does a speciality that needed an exam (which she had to study for whilst also doing her job and couldn't even get the day of the exam off so had to go to work straight after), and if in top 300 then an interview. Ratio of jobs to applicants was 1:23 last year. But many of her friends did not get a job as had to produce portfolio evidence of publications, presentations (at international conferences), extra degrees etc. None of which would have made them a better doctor. As needsmore says, none of the job allocation takes into account how good a doctor they are.

So many training places taken by IMGs who then decide they don't like where they've been placed and leave after a few years. Rota gaps can't be filled at the level.

Do not go into medicine for job security or money. You'll get neither. If, and these days it's quite a big if, you become a consultant after a decade of so, you will make nice money. But nothing close to what you make in finance.

DD loves her job, works with fantastic colleagues (has just moved yet again to a new hospital in a new town), earns enough to have nice holidays. Job satisfaction is huge. But there are much easier ways to earn more !

Hopefully the new rules will give priority to uk graduates, although I imagine there will be a backlog of residents doctors competing for those posts.

OP posts:
mumsneedwine · 07/02/2026 14:24

@Anna2111 if Wes doesn't use it as a blackmail
tool then UKG priority will help. But you're right, it's going to take years to clear the backlog. And this year no one knows if it will be sorted in time - too late for some as interview shortlisting already done.

OhDear111 · 07/02/2026 14:29

@mumsneedwine But dc have to work ludicrously hard to get them too! And when they are in them. What easy route is there? There truly isn’t one. Every high paying job these days is a slog, time consuming and at the beck and call of the employer. I don’t see anything easy about any of them!

mumsneedwine · 07/02/2026 14:31

No one said there was ????

But there are easier ways to earn more money and have an easier life than medicine.

OhDear111 · 07/02/2026 14:43

And what are they? The competition is fierce and you won’t recognise that. Some will earn more, but they are not getting it by an easy route. They work bloody hard. You clearly have no idea.

Anna2111 · 07/02/2026 14:45

That’s the take away. Every well paid job requires long hours, flexibility, sacrifices dealing with demanding employers, lots of competition for jobs and is stressful! I’m sure if I had put law/ computer science/ engineering the responses would be similar !

OP posts:
OhDear111 · 07/02/2026 15:05

@Anna2111 Yes if high earning is a criteria. Engineering - pay not so good by the way.

mumsneedwine · 07/02/2026 15:19

OhDear111 · 07/02/2026 14:43

And what are they? The competition is fierce and you won’t recognise that. Some will earn more, but they are not getting it by an easy route. They work bloody hard. You clearly have no idea.

Ummmm not sure why quite so snippy. I've not talked about any other job (except to acknowledge finance works long hours, which I know as I used to work in it). Not sure why the weird anger.

There ARE easier ways to earn lots of money than medicine because you can choose where you work, who you work for and can get promoted because you're good at your job. And you don't see anyone dying or blood and pus every day.

mumsneedwine · 07/02/2026 15:23

One of DDs school friends earns £125,000 in software engineering. Works from home. Says it's a lovely job (for them - would drive DD to boredom).

mumsneedwine · 07/02/2026 15:24

Another earns £90,000 in retail. Started on grad scheme 5 years ago on £60,000 and a car.

Thehorticuluralhussie · 07/02/2026 15:26

None of my 3 did medicine but I do have a central bank economist!

A levels maths, f maths, chemistry
LSE Economics and Philosophy

Moved immediately to NY
Worked 2 years at each of 3 big banks
Now at 34 works for the Federal Reserve Bank doing all kinds of fascinating stuff. Absolutely loves it.
Salary approv $190k
Regularly working 60+ hours

If she’s interested in global finance then perhaps look at jobs in central banking. Hope this helps.

mumsneedwine · 07/02/2026 15:40

Think the 'absolutely loving it' is the important bit. If you can find a job where you do just that then that's the win.

MrsBennetsPoorNervesAreBack · 07/02/2026 15:53

I think you need to spend a bit of time with your dd helping her to work out what her core values are, @Anna2111. There are no right or wrong answers, but basically, she needs to spend a bit of time figuring out what matters most to her. Is it the high income? Is it a degree of work life balance? Is it job security? Is it the satisfaction that comes from knowing you're making a difference? Is it the type of working environment and/or likely workplace culture? Is it flexibility? Is it the level of stress, or perhaps the type of stress?

All jobs will have their pros and cons. Your dd's challenge is to figure out which of the pros matter to her most, and whether there are any of the cons that she really doesn't want to live with.

poetryandwine · 07/02/2026 15:58

OhDear111 · 07/02/2026 15:05

@Anna2111 Yes if high earning is a criteria. Engineering - pay not so good by the way.

This is a relative statement. A senior computer engineer at one of the major tech firms earns well into six figures, and it is quite feasible to reach this position by early middle age.

But computer engineering jobs in these firms are highly competitive.

Someone with a good degree in Mech Eng can expect to start in the £30s. Not a giddy salary but a perfectly fine one. Excellent engineers can progress quickly in good times - not that we are in such times at tge moment.

Many, many UGs at elite institutions begin their studies with ideas of ‘doing finance’ and little notion of what this means. They have no idea how fierce the competition is, or how limited many of the jobs are in scope. Most of them end up settling. There isn’t anything wrong with that, but I sometimes wish they would focus more on doing something they find intrinsically interesting so that expectable entry level jobs will not be a disappointment.

Anna2111 · 07/02/2026 16:53

Thehorticuluralhussie · 07/02/2026 15:26

None of my 3 did medicine but I do have a central bank economist!

A levels maths, f maths, chemistry
LSE Economics and Philosophy

Moved immediately to NY
Worked 2 years at each of 3 big banks
Now at 34 works for the Federal Reserve Bank doing all kinds of fascinating stuff. Absolutely loves it.
Salary approv $190k
Regularly working 60+ hours

If she’s interested in global finance then perhaps look at jobs in central banking. Hope this helps.

Thank you - sounds like she is doing what she loves !

OP posts:
poetryandwine · 07/02/2026 19:59

MrsBennetsPoorNervesAreBack · 07/02/2026 15:53

I think you need to spend a bit of time with your dd helping her to work out what her core values are, @Anna2111. There are no right or wrong answers, but basically, she needs to spend a bit of time figuring out what matters most to her. Is it the high income? Is it a degree of work life balance? Is it job security? Is it the satisfaction that comes from knowing you're making a difference? Is it the type of working environment and/or likely workplace culture? Is it flexibility? Is it the level of stress, or perhaps the type of stress?

All jobs will have their pros and cons. Your dd's challenge is to figure out which of the pros matter to her most, and whether there are any of the cons that she really doesn't want to live with.

A very wise post

poetryandwine · 07/02/2026 20:06

Thehorticuluralhussie · 07/02/2026 15:26

None of my 3 did medicine but I do have a central bank economist!

A levels maths, f maths, chemistry
LSE Economics and Philosophy

Moved immediately to NY
Worked 2 years at each of 3 big banks
Now at 34 works for the Federal Reserve Bank doing all kinds of fascinating stuff. Absolutely loves it.
Salary approv $190k
Regularly working 60+ hours

If she’s interested in global finance then perhaps look at jobs in central banking. Hope this helps.

This sounds like a DC with a deep passion for Economics and Finance, following their star and excelling. And that is fabulous.

If OP’s DD has a similar passion for the subject (in contrast to the vaguely focused career and monetary goals of many UGs) I don’t want to sound discouraging. My point in previous posts is that she can get comparable rewards across many mathematically orientated professions, some of which combine well with medicine, by putting her genuine interests first.

Needmoresleep · 07/02/2026 21:30

Another initiative to internationalise medicine.

https://www.dailymail.co.uk/news/article-15537855/NHS-hire-foreign-doctors-treat-patients-virtual-appointments-world-new-10-year-plan.html

I'm not sure what to make of it. However, for me at least, the difference between pre-covid and now is stark. It used to be relatively simple to get same day appointments. Now my GP no longer has a physical premises and so it is on-line requests and phone appointments. Being actually seen for a long running problem took weeks.

Its very hard to predict where things will be in either medicine or finance in even a decade or two's time.

NHS to hire foreign doctors to treat patients in virtual appointments

Seeing a doctor face-to-face at your local GP's surgery could soon become a thing of the past under NHS plans to allow GPs to treat patients 'from the beach' anywhere in the world.

https://www.dailymail.co.uk/news/article-15537855/NHS-hire-foreign-doctors-treat-patients-virtual-appointments-world-new-10-year-plan.html

Vivienne1000 · 07/02/2026 21:59

Definitely choose a degree which she is good at and which could lead to a great job in finance.
All the resident doctors seem to be miserable and intent on striking. Why go through all that and know you are not even guaranteed a training post? My daughter works in global business restructuring, did chemical engineering at uni and then joined one of the big 4. She earns a lot, is always having a great time socialising and works with upbeat people, in very plush central London offices. She enjoys her job and there is plenty of scope for promotion. She earns more than her doctor friends and is treated a lot better.

Anna2111 · 07/02/2026 22:06

Needmoresleep · 07/02/2026 21:30

Another initiative to internationalise medicine.

https://www.dailymail.co.uk/news/article-15537855/NHS-hire-foreign-doctors-treat-patients-virtual-appointments-world-new-10-year-plan.html

I'm not sure what to make of it. However, for me at least, the difference between pre-covid and now is stark. It used to be relatively simple to get same day appointments. Now my GP no longer has a physical premises and so it is on-line requests and phone appointments. Being actually seen for a long running problem took weeks.

Its very hard to predict where things will be in either medicine or finance in even a decade or two's time.

That’s crazy ! There are a shortage of GP vacancies in UK - and plenty of GPs looking to find jobs. It’s cheaper to outsource I suppose.

OP posts:
OhDear111 · 07/02/2026 22:28

@Anna2111 They don’t outsource. They just do consultations on line or over the phone. It’s still a NHS GP service - just a crap one. I rarely bother mine. They ring back (I got vertigo and they said they could not do anything) but I’ve not seen a GP for years - well before Covid - and I’m old!

Thehorticuluralhussie · 08/02/2026 07:08

poetryandwine · 07/02/2026 20:06

This sounds like a DC with a deep passion for Economics and Finance, following their star and excelling. And that is fabulous.

If OP’s DD has a similar passion for the subject (in contrast to the vaguely focused career and monetary goals of many UGs) I don’t want to sound discouraging. My point in previous posts is that she can get comparable rewards across many mathematically orientated professions, some of which combine well with medicine, by putting her genuine interests first.

Completely agree and good point.

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