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AngieW in Texas
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This isn't for the short-term. I expect that I will need 3-5 years to prepare for a career change because of any training or certifications that I might need.

 

I have a BS and MS in Physics. I hsed my kids K-12 and have graduated all three of them. I got my alternative teaching certificate 3.5 years ago. I am certified in Special Education, ESL, 7-12 Math, and 7-12 Composite Science. I worked as a SpEd teacher for 1.5 years and have been working as a high school gen ed science teacher for the past 2 years. I have been teacher-of-record for IPC, Chemistry, and Forensics. 

 

I love teaching. I truly love it.

 

But.

 

The pay is horrible and the hours are long and stressful. 

 

I have a great school and I love the people I work with. Yes, there are always discipline issues, but I still love what I do.

 

However, I make less than $50k/year and that is with a stipend for having an MS degree and my additional pay for being at school an extra 3 weeks for summer test prep boot camp. Last year I worked with kids who had failed the Algebra I exam. The year before I worked with kids who failed the Biology exam. I even thought about switching back over to SpEd, but the stipend for SpEd wouldn't bring my pay up to $50k either and that's a LOT more hours. I work at least 60 hours/week throughout the school year and put in many hours over the summer for planning to keep my hours during the school year down to just 60 hours/week.

 

My oldest will probably never be able to work more than part time because of mental health issues My youngest was told by the geneticist to plan for a career where it was possible to work from home for the days when the pain was just too much to leave the house and to prepare for never being able to work full-time. My 19yo has a genetic disorder that affects every organ and organ system and causes constant pain. We have looked at wheelchairs for the 19yo because we don't know when that day will come, but we are pretty certain that it will come. When it does come, we will need to get a motorized wheelchair because of the joint issues. There has been a substantial drop in mobility and stamina from 15yo to 19yo. We are hoping the 19yo will be able to complete college, but I'm really not sure that's physically possible.

 

My oldest and youngest will probably always have to live with me. 

 

What are careers that pay well (need to start above $50k and have plenty of room to rise above that) that my background could translate to?

 

I am strong in math, but I haven't done any math beyond Calculus I since college. I did tutor my 19yo through Calculus I last year, so that is fresh.

 

I have considered actuary. That would take several years of working through actuary practice books and getting preliminary certifications, but it could be a good path. I am very strong in math. I have very little time outside of the summer to work on studying and practicing for the exams.

 

I also want to change to a career that I would be able to take to Oregon in a few years (maybe 3-5 years). We aren't going to be able to stay in Texas long-term. My 19yo's heat tolerance has been going down since 15yo. We need to get out of Texas, although that isn't going to happen any time soon. 

 

I'd rather not have to go back to school. I already have a BS and an MS. But if there is a good short-term program (like 1.5-2 years) that wouldn't cost a fortune and would translate into a high-paying job, I would be willing to do it.

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This isn't for the short-term. I expect that I will need 3-5 years to prepare for a career change because of any training or certifications that I might need.

 

I have a BS and MS in Physics. I hsed my kids K-12 and have graduated all three of them. I got my alternative teaching certificate 3.5 years ago. I am certified in Special Education, ESL, 7-12 Math, and 7-12 Composite Science. I worked as a SpEd teacher for 1.5 years and have been working as a high school gen ed science teacher for the past 2 years. I have been teacher-of-record for IPC, Chemistry, and Forensics.

 

I love teaching. I truly love it.

 

But.

 

The pay is horrible and the hours are long and stressful.

 

I have a great school and I love the people I work with. Yes, there are always discipline issues, but I still love what I do.

 

However, I make less than $50k/year and that is with a stipend for having an MS degree and my additional pay for being at school an extra 3 weeks for summer test prep boot camp. Last year I worked with kids who had failed the Algebra I exam. The year before I worked with kids who failed the Biology exam. I even thought about switching back over to SpEd, but the stipend for SpEd wouldn't bring my pay up to $50k either and that's a LOT more hours. I work at least 60 hours/week throughout the school year and put in many hours over the summer for planning to keep my hours during the school year down to just 60 hours/week.

 

My oldest will probably never be able to work more than part time because of mental health issues My youngest was told by the geneticist to plan for a career where it was possible to work from home for the days when the pain was just too much to leave the house and to prepare for never being able to work full-time. My 19yo has a genetic disorder that affects every organ and organ system and causes constant pain. We have looked at wheelchairs for the 19yo because we don't know when that day will come, but we are pretty certain that it will come. When it does come, we will need to get a motorized wheelchair because of the joint issues. There has been a substantial drop in mobility and stamina from 15yo to 19yo. We are hoping the 19yo will be able to complete college, but I'm really not sure that's physically possible.

 

My oldest and youngest will probably always have to live with me.

 

What are careers that pay well (need to start above $50k and have plenty of room to rise above that) that my background could translate to?

 

I am strong in math, but I haven't done any math beyond Calculus I since college. I did tutor my 19yo through Calculus I last year, so that is fresh.

 

I have considered actuary. That would take several years of working through actuary practice books and getting preliminary certifications, but it could be a good path. I am very strong in math. I have very little time outside of the summer to work on studying and practicing for the exams.

 

I also want to change to a career that I would be able to take to Oregon in a few years (maybe 3-5 years). We aren't going to be able to stay in Texas long-term. My 19yo's heat tolerance has been going down since 15yo. We need to get out of Texas, although that isn't going to happen any time soon.

 

I'd rather not have to go back to school. I already have a BS and an MS. But if there is a good short-term program (like 1.5-2 years) that wouldn't cost a fortune and would translate into a high-paying job, I would be willing to do it.

Depending where you plan to live in Oregon, you could probably get a research analyst position with the state (many different departments have them) and move up from there to higher levels. Have you had any statistics or programming classes? Any experience working with data? The state offers excellent health insurance benefits and ok pension benefits for new hires. Research Analyst 4 positions currently top out at about $90k.
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I haven't had any statistics classes, although I did help my oldest when she took statistics at the cc. I had to learn a little statistics for my math certification.

 

The programming classes that I had were 30 years ago. I took one assembly language class and one Pascal class. After I graduated from college, I took a C++ class as a non-degree seeking student, but even that class was about 25 years ago.

 

I have done some data analysis of test scores from my students. 

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i second that - take a stats class and maybe a data analysis class if you can find one.  A tutorial in SQL would not go amiss, but I wouldn't worry about programming unless you find that sort of thing interesting, in which case I would pick up Python or R.  With your credentials, you would be a shoe-in for a data analyst position.   Starting salary fresh out of college would be in the $50K range with a bachelor degree and since you can leverage your teacher experience and masters degree, you can expect to start higher than that.

 

Look for Data Science, Data Analyst, Report Analyst, Financial Analyst (a little different) and Business Analyst careers.

 

This is what I do for a living.  Many of these positions can incorporate work-from-home or part-time from home if that's something you need in the future.  I could get work in any major city in the country if I needed or work remotely.  It's a pretty high demand line of work with a great deal of flexibility.

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I was going to suggest similar:

 

Data Analysis

Actuary 

Accounting

 

Yes, you may need some more schooling, hoping you can do that from home, but those are jobs you can even find in work from home capacities, and the starting pay is more than you are making now.

 

However, I do want to point out that my husband is an accountant and although his firm starts employers at more than I make with 20 years of teaching experience (NC pays horribly), I am the one who will have health insurance in retirement.  He will not.   My pension will be paid by the state, he has to save his money for retirement (they do match, but not nearly what I think they should.)

 

So, there are trade offs.

 

 

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Unfortunately Texas screws teachers over. We don't pay into social security, only into TRS. If you quit teaching in Texas before you qualify for a pension, you lose everything except what you paid into TRS. No interest. Nothing. They have also gutted the health insurance for retired teachers and now retired teachers are paying much more than they were just one year ago. I didn't start teaching until my youngest was in 11th grade, so I'm not going to end up getting a pension anyway even if I was planning on staying in Texas.

 

I was going to try studying for Exam P from the Society of Actuaries all summer and take it as soon afterward as I can. I really don't have time outside of summers to work on heavy duty studying for the exams. I know they have a 30-40% passing rate, but I test well and math is my strength. I think I can actually get prepared for this first exam over the summer. The others will probably take longer to prepare for. I've at least studied some basic statistics and probability for my math certification and have done a decent amount of calculus I tutoring.

 

 

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My son is an accounting major with a minor in data analytics. VERY hot field in my area. His school has a graduate certificate in that, but you have to have a business undergraduate degree.

 

I'm in my 50's and job-hunting, and I know what you mean about trying to find something that works for you without too much investment. My degrees are in math and computer science, and I've been an adjunct professor for 20 years (among other things). Last year as an adjunct and doing contract work in education, I made just short of $40,000 with no benefits. Not enough in a major metropolitan area. The three of us would actually qualify for subsidized housing on that.

 

I'm a finalist for a college administrative job that is a very good fit and pays well, but they didn't get enough applicants and had to open it again. I joke around that I may be headed for Wal-Mart or Home Depot in May, but it could be a reality for me. One of my contracts as an independent contractor ends in June with no renewal, so I need something.

 

One option I'm considering is health information systems. It would take me about three semesters, and if I kept teaching for the college I now work for, they would pay for two classes a semester. I can't imagine that the classes would be too tough other than A&P, but lots of jobs here in that.

Edited by G5052
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I'd look for a federal job or retrain for a federal job since you will want benefits if you do end up retiring before medicare eligible. 

 

What's tough is that most federal agencies have a hiring freeze. I've found a few positions that were not under the freeze, but there aren't many right now. In my area, state employment is also a possibility.

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It sounds as if you have a location in Oregon as a goal in 3-5 years.  I would suggest beginning by looking in that area and seeing what types of major employers and job openings there are in that area.  Is there a major university?  Is it a location with many state jobs? federal jobs?  Are major corporations located there?  I would see what types of job openings they tend to have and then work from there.

 

For example, actuaries are expected to grow by a fairly large percentage, but that is because it is a relatively small, specialized career.  Many of the actuarial jobs are located at the headquarters of major insurance companies (which are more often east coast than west coast).  Being a actuary who does consulting can be extremely lucrative and not location dependent, but requires a good deal of travel and can be a high stress environment.   

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Unfortunately Texas screws teachers over. We don't pay into social security, only into TRS. If you quit teaching in Texas before you qualify for a pension, you lose everything except what you paid into TRS. No interest. Nothing. They have also gutted the health insurance for retired teachers and now retired teachers are paying much more than they were just one year ago. I didn't start teaching until my youngest was in 11th grade, so I'm not going to end up getting a pension anyway even if I was planning on staying in Texas.

 

 

This answers my first question about your prospects for a pension. That just sucks royally for teachers in that state. Way to cut off the education field at the knees and get rid of a lot of good people. 

 

Whatever decisions you make about your career, I guess you'll have to think about it as a 2 step process. First, there is what you will do in Texas, and second, there is what you'll do in the new state you move to. Can other education and work experience you gain in Texas transfer easily to your new state? Will any connections and contacts you make now be useful in a new area? 

 

Also, on a personal level, how old are you and how employable are you today? Are you planning on working full-time for another 20 - 30 years? The sooner you get into your new field, the better. You will be younger, and have more working years to build up a pension and increase salary. 

Edited by wintermom
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I would also recommend actuary or financial planning. I know someone employed as an actuary. He had a job out of college (MS math) and they paid for all tests.

 

CFP certificates can be earned within 2 years or so.

 

I’d also second looking into government jobs, with either your current degrees or possible certification. Benefits are amazing and skilled jobs are usually a high demand.

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I also want to change to a career that I would be able to take to Oregon in a few years (maybe 3-5 years). We aren't going to be able to stay in Texas long-term. My 19yo's heat tolerance has been going down since 15yo. We need to get out of Texas, although that isn't going to happen any time soon. 

 

I'd rather not have to go back to school. I already have a BS and an MS. But if there is a good short-term program (like 1.5-2 years) that wouldn't cost a fortune and would translate into a high-paying job, I would be willing to do it.

Look into what teaching pays where you are moving. Weak union states (say, Texas) have very low teacher wages. Strong union states have much higher wages.

 

My MIL took a 30% pay cut and a huge cut in benefits when she moved from a strong union state to Virginia. You may find that teaching pays much more if you choose the state widely. And, with physics, math, and special ed background, you may find that you are highly sought after even in states that pay well. 

 

Then add on age discrimination... if you like your current field, I'd look for a state where the teacher pay makes it livable.

 

Emily

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Look into what teaching pays where you are moving. Weak union states (say, Texas) have very low teacher wages. Strong union states have much higher wages.

 

My MIL took a 30% pay cut and a huge cut in benefits when she moved from a strong union state to Virginia. You may find that teaching pays much more if you choose the state widely. And, with physics, math, and special ed background, you may find that you are highly sought after even in states that pay well.

 

Then add on age discrimination... if you like your current field, I'd look for a state where the teacher pay makes it livable.

 

Emily

While teacher pay is pretty good in OR, the cost of housing can also be quite high in some areas, so that combo would be important to consider when looking at locations. Retired teachers and those set to retire under Tier I have very lucrative pensions in general, but new hires would have a more modest pension of 1.5% of final salary x years of service. But at least for state workers, health benefits are still very, very good. I’m guessing teachers would have similar.
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Selling Real Estate?

I'm at a loss for ideas. I am also a teacher looking for a new career field, but there are 0 opportunites where I live that would meet your salary requirement.

 

 

When I taught in Texas, it only took 5 yrs to qualify for a pension with TRS (but I know things have changed since I left), I have 12 yrs in TRS and will get about $1000 per month pension once I am 65. It isn't enough to live on but will be a good suppliement to my DH's pension. I don't have enough years to qualify for the retiree insurance, but we will get that through My DH

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If you are interested in analytics or a related career, you could look into getting a graduate certificate.

 

Many schools are now offering this, and it is typically about 12 to 16 graduate credits rather than an entire degree. Quite a few can be done online.

 

Here is one from Penn State and another from Northwestern as examples. Or, you could get analytics certifications from several organizations, or certification from SAS directly (that is one of the certifications, SAS offers several).

 

With a physics master's you could look into teaching college-level courses online, too.

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An aside: Has your dd spent substantial time--especially in winter-- in Oregon to know that it makes her feel better?  A way to get out of Texas in summer might help a lot. But a lot of people are bothered (joint pain etc.) by cold and damp of Oregon winters.

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While teacher pay is pretty good in OR, the cost of housing can also be quite high in some areas, so that combo would be important to consider when looking at locations. Retired teachers and those set to retire under Tier I have very lucrative pensions in general, but new hires would have a more modest pension of 1.5% of final salary x years of service. But at least for state workers, health benefits are still very, very good. I’m guessing teachers would have similar.

 

this.   I recall years ago bay areaschool districts would do a lot of recruiting up here with promises of big salaries.  teachers would go down - and find out they were in worse shape because of housing costs.  they'd come back.

so absolutely pay attention to col.

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An aside: Has your dd spent substantial time--especially in winter-- in Oregon to know that it makes her feel better?  A way to get out of Texas in summer might help a lot. But a lot of people are bothered (joint pain etc.) by cold and damp of Oregon winters.

I wonder if high desert would be better. I know people fleeing weather changes where I live.

 

Oregon does have a lot of high desert in the east, which is also a cheaper part of the state to live in.

 

Emily

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I'm 50yo. I hope to be working for at least another 20 years. I have paid very little into social security since I was home with the kids for 18 years and then started teaching which doesn't pay into social security in Texas. In order to qualify for the TRS pension, I will have to teach for 15 more years (minimum 10 years of service and years of service plus my age has to be at least 80).

 

Somebody mentioned writing as a possibility. I was a temporary contract author for Sapling Learning for 6 months. I wrote conceptual physics problems for their online homework program.

 

The choice of Oregon was made for insurance, weather, and LGBT-climate. I'd like to be near a university. I have a friend who teaches in Eugene and loves it there. 

 

My 19yo hasn't been to Oregon, but did go to NY for school last year. The cold was fine. The problem was that the professors didn't want to comply with ADA (they did eventually, but it was a fight every time). It was also very conservative, even more so than where we are now, since we are in the part of Texas that is actually liberal.

 

I would love to stay in education, but it just isn't going to be possible long-term, not with the medical needs of my kids. I will need to end up in a job some time in the next 5 years that I can continue to do for at least 15 more years that pays much better than teaching does. 

 

My plan for right now:

Spend the next 2-3 years working on getting certifications for analytics or actuary. Try to get internship during the summers after I have at least one certification. Then try to find job in that field either here in central Texas or in Oregon (may need to get job here first where I at least have contacts before moving). If I start working here first, then work in Texas for 1-2 years before moving to Oregon.

 

The Penn State program that somebody linked higher up in this thread was interesting. That is something that I might consider pursuing. 

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I usually stay away from offering career advice, but just wanted to comment on already made suggestions

 

I have BS in accounting and worked with lots of actuaries when I worked for various insurance companies.  1) None of them worked from home most of the time 2) none of their schedules were flexible.  Statuary reporting is done 4 times a year plus budget time - they worked crazy hours every qtr, year end and budget time.  And 3) to make any decent money you have to have more than half of the exams done.  And that takes years.

 

Accounting work from home surely exists but in my experience (my own and other accountants I know) you either have to have your own business or have a reputation build.  I worked in corporate for over 15 yrs - again, NO flexibility at all but money was great.  Unless you want to do non-profit.  But that doesn't pay well. 

 

I now work for a small CPA firm and my boss does allow me to work from home, but still wants me in the office most of the time.  I don't have CPA license cause I am lazy.  But I do have Master's in Taxation.

 

My husband has BS in math and physics and then got BS in computer science.  THAT is the field that has flexibility, money and sooooo many different job opportunities.  If you are able to figure that stuff out - I think you can be golden.

 

Good luck!!

 

 

 

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The choice of Oregon was made for insurance, weather, and LGBT-climate. I'd like to be near a university. I have a friend who teaches in Eugene and loves it there. 

 

My 19yo hasn't been to Oregon, but did go to NY for school last year. The cold was fine. The problem was that the professors didn't want to comply with ADA (they did eventually, but it was a fight every time). It was also very conservative, even more so than where we are now, since we are in the part of Texas that is actually liberal.

 

 

 

 

Maybe she could do a year of school in Eugene to try it out.  There are a lot of schools, not just UofO.

 

 

The dampness makes the cold very different than NY cold,  IME.  There is a wind-chill factor often given, but there should also be a damp-chill factor. IME, 40degF and soggy can feel colder, sort of a bone and sinus penetrating cold, than 20degF and dry which can feel more invigorating--assuming appropriate clothes in each case.

 

Ashland area is somewhat drier and still liberal.

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Environmental safety at college, biotech or pharm. company. You probably need a certificate but with your science degrees and teaching experience I think you could break into this field. Large medical/research facilities need to comply with OSHA stds etc. which requires many of these people.

 

Find someone in your area and ask to shadow them for a day to see if this job would work for you and the job entry requirements.

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My husband works in computer programming. He worked closely with actuaries for a few years. He said once you pass the first of the actuary tests, you can get hired immediately full time at a good salary, but half of your time is paid  time to study to pass additional tests in the series.

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Some school districts in Texas do pay into social security; if you are in an area with multiple districts and are trying to move into a job in the future that will provide social security benefits, you might see if there is a teaching possibility that would also contribute to social security in the meantime.  

 

If you enjoy teaching, would some type of corporate trainer position be possible?

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  • 2 weeks later...

I checked out which school districts in Texas pay into social security and there aren't any within an hour's driving that do. Very few ISDs in Texas pay into social security.

 

I found that my local cc has non-credit data analytics courses that prep you for particular certification exams. I am planning on taking Querying SQL and Developing SQL this summer. They are both 5 week courses and I shouldn't have any problem working through them in the summer.

 

In addition, I got a prep book for the SOA Exam P certification exam. 

 

My plan right now is to take those two courses this summer (the first two courses in a 9 course sequence). The first 5 courses are SQL. Then there are two R courses and one Azure course. There is also a statistics course that is recommended but not required.

 

After I get through this first summer, I should have some idea if data analytics or actuary might be a good path.

Edited by AngieW in Texas
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   And 3) to make any decent money you have to have more than half of the exams done.  And that takes years.

 

 

 

That is not what I have found, although I guess it depends on what you mean by decent money. When oldest was considering actuary, she talked to a few people who have actuaries at their company. The consensus was that, if you don't start off making six figures, you will get there very soon. And we are in a fairly low cost of living area. 

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OP: I read your first paragraph and thought, "Actuary!"

 

My husband is an actuary (FCAS); he started in 2005 and worked quickly through his exams (those are brutal) and other requirements and earned his designation in 2009.  He was very focused and methodical in his approach; he studied very hard and efficiently and was successful.... He couldn't have done it any quicker.  Most people take longer than that... some even up to 15 years... He would plan a study schedule at the start of a study season and try the best he could to stick to it.  It got tiresome for me but it was good he was able to put his mind to it and get through it.

 

He loves the industry... He finds it fascinating and dynamic and it suits him very well.  He works at one of the large P&C insurance companies and while at times the hours can be longer, he typically works 45-ish hours per week.  I think his hours are definitely on the lower end of what is typical around here for corporate jobs.  He makes it work to be able to coach a couple of our boys' sports teams... He's almost always home for dinner... He can work from home when he needs to... He can always work out being at school conferences, chaperoning field trips, etc.  I don't want to mislead; it's definitely a demanding job... But there is a very comfortable amount of flexibility.

 

Times are changing and there are quite a few companies, including his, who do even allow people to work from home full-time.  He has known people to move away and stay with the company/work from home so the employee's spouse can accept an out-of-state job opportunity... I think DH feels more productive in the office, but he does work from home a fair amount.

 

He loved how promotions and advancement in his career were self-directed (can't think of a better word...): he would pass a test and get a bonus and his pay would go up.  He'd pass another test six months later and he'd receive another bonus/pay raise.  It felt very rewarding to him to be able to put in the effort and then immediately feel a reward (it made it feel like all the effort was worth it).  For each exam, his company would pay him for 100 study hours.  Those hours had to be planned around his workload, but the bosses are typically good about making sure their employees receive the hours.  The amount of time recommended to study for any given exam was 100 x the number of hours the exam was.  E.g. for a four hour exam, the recommended time to put into studying was 400 hours.  He seemed to make really good use of his time (I'd probably have a bit more daydreaming in there had it been me... :-)  ) and didn't need quite that much, but that was the general rule of thumb that I remember.  The pass rate is pretty low (back then I seem to remember it typically hovering around 20%) so they are very difficult.... But someone with your mathy/analytical background would probably do really well and similarly fly through them.  (4-5 years of taking tests is hardly flying....but it's all relative!)

 

I'd disagree with the above poster's comment about low pay to start out, but I suppose that is relative as well!  DH has told me that students (those still taking tests) start out at the company (1 exam required to be hired) at (base) $70K/year.  When someone passes an exam (or two) in a year (sometimes people try for more but often aren't successful so it's not encouraged or usually even allowed), the person receives a bonus for each pass, and the person's salary increases as well.  And there's an end-of-year bonus in addition.

 

I sold two childhood friends on becoming actuaries:-)... They both went the SOA route and also love their work.  They are both in consulting (different companies from one another) and have longer hours than DH (consulting is notorious for being long hours) but it's cyclical (DH's longer hours are cyclical as well, but I think the long hours are longer in consulting). 

 

I'd be happy to answer any questions (or try!)... I could always ask DH as well.

 

Best wishes to you!

 

I feel a little exposed so might delete later!!

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