| Poor personal financial management | Financial planning resources for physicians at multiple career stages |
| " … There's not enough information provided at the time, what your potential options are and how you would want to benefit out of those." | "Fiscal advice over the career is one thing that might be very important." |
| "How much do we need to retire? That's been a problem for me, even though I have a financial advisor who says you can retire, do I believe him?" | "If it's more a long-term plan, it sort-of starts mid-career, and it's just not suddenly as you turn 60, that someone is starting to ask the question." |
| "My ideal transition would be facilitated by winning the lottery. We are a single income family and I will never be able to afford retirement … Right now, we live paycheck to paycheck on an 80-hour work week." | |
| Rigid institutional structures | Opportunities and resources for later career transitions |
| "It seems to me that … when you retire, you retire from everything; is that how it works?" | "I don't see myself as retired. I see myself transitioning to something else where I feel I also provide a contribution." |
| " … My practice plan says that if I don't continue to do call just like everybody else, even though I've done it for 30 years, I can't be part of the practice." | "It's not a question of age … some people are remarkably healthy mentally and physically and can go on forever." |
| Professional norms | Later career mentorship, support for intergenerational collaboration, and recognition of retirees |
| "So I don't know if I'm going to be able to say 'yes, I will retire'. Because when I look at my colleagues … no one is retiring easily." | "It's knowing who to ask if you're making certain kinds of decisions, and getting the ongoing mentoring, and always revisiting the plan." |
| " … Many of us, and I'm one of them, have not developed a whole lot of extracurricular interests." | "Let's say you have someone who's older, and you have a young faculty person … There could be job-sharing that goes along. So, in one sense, you have the older person, who's the heir, can bring along the younger person who only wants part-time work at this time." |
| " … People have these amazing careers and you don't know them deeply, and you don't know how much they've done." |