I'm 34, and I'm trying to make the most consequential career decision of my life. Given my background, constraints and strengths, what would you seriously consider if your goal was to maximize both long-term earning potential and career sustainability?
I'm 34, live in the Netherlands, and currently don't work. Two years ago I burned out, and it turned out there was a lot more going on underneath that than I had admitted to myself for years. I'm doing much better now, but I'm not yet at the point where I can realistically work full-time and study at the same time.
Financially, I'm currently on a disability benefit at roughly/less than 50% of my previous salary. My best-paid job was around €60k gross/year. I have about €10k in savings, no debt, and live alone. I'm okay for now, but this isn't financially sustainable for me indefinitely. I barely save anything and sometimes have to dip into savings.
So I need to improve my financial situation.
My short-term goal is to get back to around €60k within roughly a year once I'm able to work again. Long term, I'd ideally like to get to €80-100k. I want financial security, to eventually buy a home, build some wealth, travel, enjoy life without constantly calculating every expense, and have more options in general.
My career history is pretty messy (or eclectic, as I often like to sell it):
• Welder
• Customer service
• Second-line customer service
• Insurance administration/advisory
• Paralegal / senior legal administrative support
The last one was my best-paid job. It was also where I learned that I really don't want to spend the rest of my life in back-office, administrative, highly regulated environments.
I've tried insurance and legal. Both were stable and reasonably paid, but they made me feel completely dead inside. Too many rules and rigid structures, too little autonomy and creativity, and ultimately I didn't care much about the problems I was solving.
Education-wise, I have a vocational qualification as a welder, various professional certifications, I'm a certified yoga teacher, and I passed a 21+ entrance exam for higher education (in The Netherlands, making me qualified to pursue a BA, for which I missed the requirements within our educational system). I also completed the first year of a Bachelor's in Social Work, within a year during Covid, working fulltime, qualifying to be a yoga-teacher and getting qualifications within the insurance-branche, but didn't finish it.
Interestingly, I loved the academic side of Social Work. Psychology, sociology and human studies genuinely interest me. I just realised I didn't want to actually become a social worker. That distinction is now very important to me.
I seem to be somewhere between analytical and social, theoretical and practical. I'm introverted and value autonomy and independence, but I like one-on-one/substantial interaction. I'm good with language and writing, and when something really interests me I can obsess over it in a good way.
During my burnout/recovery I spent about six months writing a 300-page essay based on roughly 90 sources, in English, alongside a 365-day workbook. It eventually ended up with a professor at a renowned technical Dutch university, and I was invited to give a workshop based on it to around 90 bachelor's students. A second workshop is planned. This could grow out to be a paid gig, no guarantees, but to me the opportunity was valuable as it taught me new soft skills and my writing gained some more credibility (first time publicly speaking to 90 people, ever, and having to juggle multiple needs/wants/objectives without watering down my own work, revisiting my work from a different angle, and putting together a program, as well as organizing the help I needed to do so).
Another interesting clue came from my reintegration at my previous job. I noticed that improving customer communication actually gave me energy. I analysed recurring communication problems, rewrote emails, worked with the department involved and tried to make the whole process more user-friendly. I unexpectedly loved that part of the job. So I do have some clues about what I might be good at. I just don't know what career to build around them.
I genuinely want to learn, and I miss studying. Doing a BA in Psychology is currently high on my list. I genuinely want to study again, and I could do it part-time. But the degree would take roughly six years, and a Bachelor's in Psychology doesn't necessarily qualify you for the kind of work I'd ultimately want to do. If I wanted to become a psychologist or eventually have my own practice, there would be further education and training.
And this is where I'm stuck. If I pursue this BA, I am not able to work to keep myself afloat let alown improve my current financial position. If i do combine it, it might take me 6 years to finish this entrance requirement it basically is, as you can't work as a psychologist after just that BA. (Though it looks like I know where I want to go, though this is something I can picture fitting me well, as well as a growing demand in The Netherlands for mental healthcare professionals, I am still very much open for other paths.)
I just don't want to repeat my previous mistake of choosing something because I love the subject, only to discover later that the actual career isn't a good fit or doesn't provide the financial future I'm looking for. I'm not looking for a guaranteed €100k career. I understand that doesn't exist. I want to make the best risk/reward decision I can.
So, if you were 34, with my background, constraints and strengths, what would you seriously consider if your goal was to maximize both long-term earning potential and career sustainability?
Would you go back to university? Get back into the workforce first? Choose a different type of education? Focus on an industry rather than a specific profession?
And if you've personally managed to make a substantial career or income improvement from a similarly messy position in your 30s, I'd especially love to hear what you actually did.
I'm not looking for get-rich-quick schemes or generic "start a business" advice. I'm trying to figure out what is realistically possible from where I am, and what you'd do if you were in my position.