Northwestern Mutual: How to Prepare for a Midlife Career Change
Northwestern Mutual: How to Prepare for a Midlife Career Change
NEW YORK, NY / ACCESSWIRE / December 16, 2024 / The middle of a person's life is typically a time of reflection, transition, and reinvention. By middle age, some people have spent decades building careers in a given field and years at the same workplace. Priorities tend to change-maybe someone has paid off their mortgage or watched their children leave for college. Career interests may change, too. A midlife career pivot can be a refreshing change, but it's not without risks. Some thoughtful preparations can lay the groundwork for a successful transition.
纽约,NY / ACCESSWIRE / 2024年12月16日 / 一个人人生的中年通常是反思、转变和重塑的时期。到中年,一些人已经在某个领域工作了几十年,并且在同一个工作场所待了多年。优先事项往往会改变——也许有人已经还清了抵押贷款,或者目送孩子上大学。职业兴趣也可能发生变化。中年职业转型可以是一个令人耳目一新的变化,但它并非没有风险。一些深思熟虑的准备可以为成功的转型奠定基础。
Review financial planning
审查财务规划
A significant career change almost always accompanies a change in personal finances. Beginning a job in a new field might mean starting with a lower salary, fewer vacation days, or a different set of benefits. "To prepare for the financial changes, take inventory of expenses, factoring in essential costs and discretionary spending," says Jhakiri Brooke, financial advisor with Northwestern Mutual's Harlem office. "A financial advisor can help ease the transition by developing a revised budget, investment strategy, and updated savings goals to align with the new economic situation."
重大的职业变化几乎总是伴随着个人财务的变化。开始一份新领域的工作可能意味着从较低的薪水开始,享受更少的假期,或者拥有不同的福利。在准备财务变化时,要对支出进行清点,考虑基本费用和可自由支配的支出,"北方互助基金哈莱姆办公室的财务顾问Jhakiri Brooke说。"财务顾问可以通过制定修订后的预算、投资策略和更新的储蓄目标来帮助缓解转型,以与新的经济状况相适应。"
Assess skills and interests
评估技能和兴趣
A new career often begins with an honest evaluation of one's strengths and interests. Reflecting on the most-and least-fulfilling aspects of previous jobs can guide future career decisions. For example, an English teacher who has loved working with teenagers but did not enjoy grading papers may consider a job in a youth community center.
新的职业通常始于对个人优点和兴趣的诚实评估。反思之前工作中最令人满足和最令人不满意的方面可以指导未来的职业决策。例如,一位喜欢与青少年一起工作的英语教师,但不喜欢批改作业,可以考虑在一个青少年社区中心找工作。
Additionally, a skills assessment can pinpoint areas for growth and reveal new opportunities that align with personal interests. An individual with excellent organizational skills may consider a new career as a librarian. Understanding these strengths and weaknesses is crucial in choosing a career path that leads to long-term satisfaction.
此外,技能评估可以明确成长的领域,并揭示与个人兴趣相符的新机会。一位优秀的组织者可以考虑新的图书管理员职业。理解这些优点和缺点对选择能够带来长期满意度的职业道路至关重要。
Consult a professional network
咨询专业网络
A solid professional network is a valuable resource during a career transition. "Colleagues, mentors, and industry contacts can offer insights into potential opportunities, industry trends, or even mentorship for navigating a new field," Brooks says. "A trusted network may provide leads on job openings, offer advice on the change, and open doors that someone might otherwise miss."
一个稳固的专业网络在职业转型期间是一个宝贵的资源。"同事、导师和行业联系人可以提供潜在机会、行业趋势的见解,甚至是指导你进入新的领域,"Brooks说。"一个可信赖的网络可能提供职位空缺的线索,提供转型的建议,并打开一些人可能错过的机会。"
Establish a timeline
建立一个时间表
The thought of a sudden professional 180 will likely bring excitement, but it's important to take it slow by creating a clear, structured timeline with critical milestones to make the midlife career change more manageable. This plan should outline savings goals and necessary certifications or training for a new career, with deadlines for completing them.
突然的职业180度转变想法可能会带来兴奋,但重要的是要慢慢来,制定一个清晰、结构化的时间表,设定关键的里程碑,以使中年职业变动更可控。该计划应列出储蓄目标和新职业所需的证书或培训,以及完成这些的截止日期。
The timeline should also include a goal date for beginning a new job. As that date draws nearer, the timeline might include milestones for completing applications and speaking with one's current employer. Breaking the process into smaller, achievable steps may ensure a smoother job shift.
时间表还应包括开始新工作的目标日期。随着该日期的临近,时间表可能会包括完成申请和与当前雇主交谈的里程碑。将过程分解为较小、可实现的步骤可能会确保工作转变更加顺利。
Identify potential risks-and rewards
识别潜在的风险和收益
Understanding the risks associated with a career change can make them easier to manage. For example, if a person moves from a corporate job into a caring profession, they might change their retirement planning to accommodate a potential decrease in benefits.
了解职业变动所带来的风险,可以让管理这些风险变得更容易。例如,如果一个人从公司工作转向照顾行业,他们可能需要改变他们的养老计划以适应潜在的福利减少。
Big changes should be handled carefully, especially when financial risk is involved. That's why it's important to keep the benefits of a midlife career change in mind, too. A new job may offer greater personal fulfillment, better work/life balance, or even a stimulating challenge to look forward to each day.
重大变动应谨慎处理,尤其是当涉及财务风险时。这就是为什么要牢记中年职业变动的好处。一份新工作可能提供更大的个人满足感、更好的工作/生活平衡,或者每天期待的刺激挑战。
Northwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company (NM) and its subsidiaries in Milwaukee, WI.
西北互助公司是西北互助人寿保险公司(NM)及其位于威斯康星州密尔沃基的子公司的市场名称。
Contact: Don Klein, 1-800-323-7033
联系方式:唐·克莱因,1-800-323-7033
SOURCE: Northwestern Mutual
来源:西北互助公司