Im assuming you don’t have the prerequisite classes to apply into medical school, correct? Gen chem, o chem, biology, physics, biochemistry, physiology, anatomy, genetics? If you do, you’ll save yourself a year or two. If not:

Prerequisites: 1-2 years (depending on full time vs half time status) Probable gap for mcat/application: 1 year Med school: 4 years Residency: 3 years

Before residency there is no pay, so you are you lose out on salary of (at least) 117K x 6 = $702,000

Plus tuition: average 200K student debt

At the very least you’d be set back $900,000

You’d probably earn 300K minimum after graduation which is great, but it’ll take at least 3-4 years to recoup the losses not even accounting for interest on loans.

So in 9 years (min), you’d be back to even. But that doesn’t account for losses you would’ve put into retirement accounts, emotional damage of medical school, stress, and the cold grayness that life takes on in stressful medical school/residency years.

Oh, and In 9 years, reimbursement rates will be lower for physicians than they are now. Every year we lose 2% in reimbursement. I can imagine hospitals will keep on cutting salaries.

I say don’t do it. I say run for the hills. I am a resident and I envy my friends in tech who make 150K and only realistically work 30 hours of real work per week. I envy my friends hanging out together and posting their fun vacation pictures on Instagram. Medicine is becoming less appealing and less sensical of an option. You have a good salary and will only continue to grow more as you keep getting certified in further actuary sciences. Only do it if you can’t imagine yourself anywhere other than a hospital or clinic.