Six Financial Considerations for Mid-Career Professionals

Today’s Selection from The White Coat Investor focuses on people like me. Or more accurately, physicians about my age, but the messages apply broadly to mid-career professionals from any career path.

 Mid-career may come sooner in non-medical professions, but the considerations remain the same.

The typical mid-career professional is probably in his or her forties or early fifties. She might have a decade or more under her belt and a decade or more to go.

Six Financial Considerations for Mid-Career Professionals

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Maybe it was an investment related mistake, such as market timing, picking individual stocks, or investing in a taxable account. Whatever it was, it’s best to correct it earlier rather than later.

1. Correct Your Financial Mistakes

By mid-career, you have probably been in your house for a few years already, know about what to expect as far as earnings the rest of your career, and can plan out a date to have the house paid off.

2. Make a Plan to Pay Off the Mortgage

When you first start investing, hopefully during or shortly after residency, your children are likely young and college is a long way off. 

3. Saving for your Children’s College

You have probably been putting some money toward this goal, but now is the time to really firm up the plan.

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