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The 2021 Career Wisdom You Need from Ruth Bader Ginsburg

Well, we made it. To 2021. The earth, moon, and sun each did their thing again. But somehow this year feels different. Because 2020 was a doozy and so many of us are deeply ready for a fresh start.

RBG fought, she believed, and she persevered—all actions that feel deeply relevant as we look to the year ahead of us.

Last year left many of us with a lot to mourn. For me, and for many, that includes the loss of a national treasure, Ruth Bader Ginsburg. The diminutive woman, known affectionately as The Notorious RBG, served as a U.S. Supreme Court Justice from 1993 until her death on September 18th, 2020, at age 87. RBG was the breaker of all kinds of ceilings. She fought, she believed, and she persevered—all actions that feel deeply relevant as we look to the year ahead of us.

Before I charge too quickly into the spin of 2021, I plan to reflect on some of the amazing life and career lessons RBG left behind. She gifted us a legacy of wisdom that will remain relevant for years to come.

So today, let’s reflect on some of what she taught us and consider how it might apply to our own adventures in the coming months.

1. To persuade others, don't react, respond!

Ruth Bader Ginsburg achieved tremendous things in her lifetime. Much of her success required that she persuade others to share a point of view that may not have been popular.

And persuasive she was. Never one to steamroll or shame others onto her side, RBG was artful in how she changed hearts and minds.

She once shared with the New York Times some wedding-day advice she received from her mother-in-law: “In every good marriage, it helps sometimes to be a little deaf.”

And she goes on to say of that advice:

I have employed it as well in every workplace, including the Supreme Court. When a thoughtless or unkind word is spoken, best tune out. Reacting in anger or annoyance will not advance one’s ability to persuade.

Ruth Bader Ginsburg

I believe she was telling us not to ignore or excuse unkindness or incivility but to label and rise above it in our response.

In 2021, we are all going to be processing and wading through the heaviness that was 2020 as we face the challenges of the coming year. Careless words are likely to be spoken. But when they are, try not to let them trigger a reaction. Respond as the version of yourself you’re most proud of.

Respond as the version of yourself you’re most proud of.

The absence of your emotional reaction will make the intelligence of your response stand out even more. This is one way to bring hearts and minds to your side.

2. Disagree with an idea but respect the person who shared it

RBG maintained lifelong friendships with colleagues sitting on both sides of the political aisle. She was asked about her success at this many times throughout her career.

She spoke with NPR about her friendship with conservative Justice Antonin Scalia and shared that while they disagreed deeply on many issues, she respected him enough to listen to what he said. And although he rarely changed her mind, his thinking pushed and challenged her own, making her even better.

When an idea doesn’t land with you, take a pause. Can you find the positive intent behind it? Can you empathize with the person suggesting it?

She also spoke of their finding common ground through shared interests and humor. She was able to separate her friend and colleague from the opinions he held. And this too feels like a useful skill to cultivate for 2021.

None of us knows what shape the workplace will take in the coming months. We will all hear many predictions, suggestions, and opinions. We will like some and hate others.

But when an idea doesn’t land with you, take a pause. Can you find the positive intent behind it? Can you empathize with the person suggesting it? Is there something useful you can find in it?

Keep the idea and the person in separate corners.

3. Never stop learning

Reading is the key that opens doors to many good things in life. Reading shaped my dreams, and more reading helped me make my dreams come true

Ruth Bader Ginsberg, responding to a letter from an 8-year-old girl

RBG never lost her appetite for more information, for expanding her mind. As much wisdom as she had acquired, it was never enough.

And in this, she wasn’t alone. According to Inc. Magazine, many of the world’s most successful leaders—from Warren Buffet to Tony Robbins to Mark Cuban—are voracious readers.

As we continue to navigate the uncertainty ahead, learning new ways to do things will be critically important. So make continuous reading and learning a priority in 2021.

Not sure how to make it happen? Here are a few ideas:

  • Choose your sources wisely. Don’t try to read everything. Explore different books, publications, or blogs to see which resonate most with you.
     
  • Schedule reading time. Put reading time in your calendar. Maybe it’s 10 minutes a day. Maybe it replaces what used to be a commute before many of us started working virtually. Get creative.
     
  • Try audio. Hey, like podcasts or audiobooks? They're a great source of inspiration, motivation, and knowledge. Maybe you can listen while you’re cooking or working out.

4. Prioritize self-care

RBG was so famous as an exerciser that her personal trainer published a book of the workouts she was still doing into her 80s. Once asked who the most important person in her life was, she famously responded, “My personal trainer.”

For RBG, intense exercise gave her the energy she needed to deliver her most impactful work. This is a lesson we all need to carry into 2021. As stress and burnout continue to threaten and plague us, we must all be mindful of how we manage our energy levels.

Working endless hours isn’t the most effective or fulfilling path to success. Working well is what delivers results. So find ways to care for yourself, to recharge your tank, every day.

You too may enjoy some intense exercise. Or you may choose to walk, meditate, journal, or call a friend. There is no right way to practice self-care, but doing it in some form is a must!

If you want some self-care guidance when it comes to fitness, nutrition, and coping with stress, here's where I shamelessly plug podcasts from my amazing Quick and Dirty Tips colleagues:

  • Get-Fit Guy with fitness pro Brock Armstrong
  • Nutrition Diva with nutritionist (and renowned nutrition myth-buster) Monica Reinagel
  • Savvy Psychologist with clinical psychologist and sleep expert Dr. Jade Wu

Search for these wellness experts on your favorite podcast platform or visit QuickandDirtyTips.com.

I hope these nuggets of wisdom have helped you feel empowered to take on 2021. These are only a few of the countless gems RBG left us with. They feel, for me, entirely relevant in this moment. So let’s honor and celebrate Ruth Bader Ginsberg's life together by letting her wisdom guide us through some murky months ahead.

Source: quickanddirtytips.com

The Average Salary of a Pilot

The Average Salary of a Pilot

The job of an airline pilot has a certain glamour to it. However, unconventional working hours and plenty of time away from home can be a recipe for stress and burnout. This could be why airline and commercial pilots are compensated fairly well, earning a median annual salary of $115,670. That one number doesn’t tell the whole story, though, as it varies depending on whom you fly for and where you’re based. 

The Average Salary of a Pilot

According to the Bureau of Labor Statistics (BLS), the median salary of the group the BLS calls airline and commercial pilots was $115,670 per year in May 2018. The BLS also tracks the job outlook for the careers it studies, measuring how many jobs the career will add between 2016 and 2026. The BLS job outlook for Airline and Commercial Pilots is 4%, which is about as fast as the average across all careers. According to the BLS, the U.S. will add 4,400 airline and commercial pilots between 2016 and 2026.

Where Pilots Earn the Most

The Average Salary of a Pilot

When it comes to tracking state- and city-level earnings data, the BLS looks at commercial pilots and “airline pilots, copilots and flight engineers” separately. Let’s take a look at where commercial pilots earn the most.

The mean annual wage for commercial pilots is $96,530 per year. According to BLS data, the top-paying state for commercial pilots is Georgia, where commercial pilots earn a mean annual wage of $130,760. Other high-paying states for commercial pilots are Connecticut, New York, Florida and Maryland. The top-paying metro area for commercial pilots is Hilton Head Island-Bluffton-Beaufort, SC, where the annual mean wage for commercial pilots is $128,600. Other high-paying metro areas for commercial pilots are Savannah, GA; Seattle-Tacoma-Bellevue, WA; Bakersfield, CA; Fayetteville-Springdale-Rogers, AR-MO and Spartanburg, SC.

Now let’s take a look at where airline pilots, copilots, and flight engineers earn the most. The top-paying state in this field is Washington, with a mean annual wage of $237,150. Other high-paying states for this profession are Michigan, Nevada, Oregon and California. Of the metro areas for which the BLS has data, the top-paying metro area for airline pilots, copilots and flight engineers is San Francisco-Oakland-Hayward, CA, with a mean annual wage of $247,120. Other high-paying metro areas for this field are Seattle-Tacoma-Bellevue, WA; Las Vegas-Henderson-Paradise, NV; Denver-Aurora-Lakewood, CO; Tampa-St. Petersburg-Clearwater, FL and Chicago-Naperville-Elgin, IL-IN-WI.

Becoming a Pilot

Typically, it’s easier to become a commercial pilot than an airline pilot. Because of this, many airline pilots start their career as commercial pilots. To be a pilot of any kind, you’ll need to have a commercial pilot’s license from the Federal Aviation Administration (FAA).  To be an airline pilot, you’ll need an additional document known as a Airline Transport Pilot (ATP) certificate. This is also issued by the FAA.

In terms of education, you will need a high school diploma and a commercial pilot’s license to become a commercial pilot. To become an airline pilot, you will likely need a bachelor’s degree, although it can be in any subject.

The typical path to becoming a commercial pilot is to complete an FAA-certified flight training program. These are held both at independent flight schools and through colleges and universities. Once you’ve assembled enough flying hours, you can get a job as a commercial pilot.

Regional and major airlines typically require significantly more flight experience for new hires. This is another reason why many people start out as commercial pilots and then move on to working for an airline. According to the BLS, many commercial pilot jobs require a minimum of 500 flying hours, whereas entry-level airline jobs require somewhere around 1,500.

Bottom Line

The Average Salary of a Pilot

Have you ever flown out of an airport and wondered what it would be like to be a pilot? With an average annual salary of $102,520, pilots earn a good living. Not just anyone can become a pilot, however. Commercial pilots must earn a commercial pilot certificate, while airline pilots, copilots and flight engineers must earn the Federal Air Transport certificate and rating for the specific aircraft type they fly. Being a pilot is also a dangerous job, so it’s not surprising that pilots’ compensation is high.

Tips for Saving Responsibly

  • The median pilot salary is enough to live comfortably in most areas of the country, but it’s still important to make sure you’re saving some of that money for emergencies and retirement.
  • A financial advisor can be a big help in managing your money and choosing smart investments that grow your nest egg. Finding the right financial advisor that fits your needs doesn’t have to be hard. SmartAsset’s free tool matches you with financial advisors in your area in 5 minutes. If you’re ready to be matched with local advisors that will help you achieve your financial goals, get started now.

Photo credit: Â©iStock.com/xavierarnau, ©iStock.com/Jacob Ammentorp Lund, ©iStock.com/amesy

The post The Average Salary of a Pilot appeared first on SmartAsset Blog.

Source: smartasset.com

How to Make Professional Resolutions for 2021 that You'll Actually Keep

New Year's resolutions. According to Inc. Magazine, 60% of us make them. But many of us know that when it comes to actually keeping New Year's resolutions, the odds aren't exactly in our favor. Research shows that, despite our best intentions, only 8% of us accomplish those annual goals we set for ourselves.

If you're anything like me, 2020 has left you hungrier than ever for fresh starts and clean slates.

What keeps us coming back every year? Well, as PsychCentral tells us, it’s partly tradition (we are creatures of habit!) and partly the allure of a fresh start, a clean slate. And let’s be honest, if you're anything like me, 2020 has left you hungrier than ever for fresh starts and clean slates.

That fresh start can apply to your professional life just as easily as it applies to dropping a few pounds, quitting your Starbucks habit, or taking up hot yoga. So, let's talk about some strategies to help you set career resolutions and, most importantly, actually keep them.

Goals versus resolutions

Every year I hear people say “My New Year’s resolution is to lose 20 pounds.” But technically speaking, that’s not a resolution, it’s a goal. It’s an outcome that you either do or don’t achieve.

A New Year's resolution is “a promise that you make to yourself to start doing something good or stop doing something bad on the first day of the year” according to the Cambridge English Dictionary.

Two things I love most about resolutions are that I have a chance to win every day, and I have complete control over my success.

A goal might be to achieve a revenue target, land an interview with someone you admire, or strike up a coveted partnership.

A resolution defines the experience you want to have. It’s about the how not the what. When I think of resolutions, I think of habits that will bring out the best version of myself—something like a promise to plan my day the night before so I'm ready to jump in fresh first thing in the morning.

The two things I love most about resolutions are that I have a chance to win every day, and I have complete control over my success.

4 strategies to help you set (and keep!) professional resolutions

1. Reflect on what you’d like to change

Resolutions begin with an honest look at the year closing behind you. For me, 2020 has had some highs, but on balance, it wasn’t my cutest. There’s a lot I’d love to change next year. And my resolutions focus on a few key areas that live within my locus of control.

There is no shame or blame here; there is only space for reflection.

So where am I choosing to focus? For me, there are three distinct experiences I had this year that I plan not to repeat in the one upcoming.

Overwhelm. That not-so-adorable feeling that the world is sitting on my shoulders—that my clients’ success and my kids’ education and my aging parents’ welfare are all relying on me. Can’t do it again next year.

Reacting from a place of fear. Holding my breath, taking on more work than I know I should because what if the economy doesn’t bounce back? Will not repeat this one in ’21.

Loneliness. Hi, I’m Rachel, and I’m an extrovert! (Here's where all you fellow extroverts respond with, "Hi, Rachel!") If travel and face-to-face meetings won’t be an option for a beat, then I’ve got to be intentional about finding ways to bring more connection into my life.

These three experiences put a damper on my 2020. Note there is no shame or blame here; there is only space for reflection.

Be thoughtful about what aspects of the year felt heavy for you and commit to changing your experience next year.

Maybe your experience of 2020 was grounded in anxiety, or you’ve felt job-insecurity, or maybe just boredom. There are no wrong answers, so be thoughtful about what aspects of the year felt heavy for you and commit to changing your experience next year.

2. Project what "better" would look and feel like

Ask yourself: If these are the experiences I don’t want to have again, what would it feel like to be on the other side?

Here’s what I came up with.

Shedding overwhelm would mean having a clear plan of attack each day. Rather than scrambling and juggling, I’d have a set of daily priorities ensuring clients, kids, mental health, and all significant constituents have what they need from me. The most critical things get done each day, and if nothing else gets done, I’ve still won.

Not feeling reactive and fearful? That will mean a shift in mindset from “What if the market doesn’t need what I offer?” to “How am I evolving my products and solutions to meet the changing needs of the market?”

And finally (sigh …) the loneliness. I talked about this in a quick video on my Modern Mentor page on LinkedIn. I miss the energy I take, the creativity I see triggered by moments of collaboration and brainstorming. It’s that very sense of ideas building on ideas that I want to recreate in 2021.

Now it’s your turn. What would your “better” look like in 2021?

If you’re job-insecure, maybe "better" means adding skills or certifications to your resume. If it’s anxiety you're wrestling with, maybe your “better” includes more self-care and relaxation.

The only wrong answers here are the ones that don’t resonate with you. You’re less likely to stick with a resolution that isn’t personally meaningful.

3.  Define sustainable practices that will move you there

The words “sustainable” and “practices” are key here.

“Lose 20 pounds” doesn’t qualify as a resolution because it’s an outcome you can’t fully control. What you can control are the habits designed to get you there, like eating better or exercising. And if exercising every day feels unsustainable, then shoot for twice a week to start. Make it an easy win for yourself!

I’ll take the three experiences I want to have and translate those into habits and practices I can control.

So how does this translate into the professional realm? I’ll take the three experiences I want to have and translate those into habits and practices I can control. Here’s my working list.

In 2021 I will:

Choose my One Thing

I'll begin each day by identifying the one thing I need to achieve in service of:

  • My kids (Example: Check my 6th grader’s math homework)
  • An existing client (Example: Develop slides for next week’s leadership workshop)
  • My health (Example: Yep, it's a workout!)
  • My business growth (Example: Pitch an article to a big publication)

Once I get all that done, whatever else I do that day is gravy.

Make weekly client connections

I will schedule one call per week with a past or current client for the sole purpose of listening. I won't be there to sell or help, but just to hear what’s on their minds, and what needs they've anticipated for the near future. This will allow me to be more planful and proactive in designing my offerings.

Set up virtual office hours

I will host bi-weekly office hours. I’ll share a Zoom link with a dozen of my friends and colleagues and invite people to pop in … or not. No agenda, no one in charge, just an open space for sharing ideas, challenges, and even some occasional gossip.

Pay attention to the fact that all of these resolutions are within my control. I’m not waiting for circumstances to change, and I’m not holding myself accountable to an outcome, I'm just committing to doing these things.

4. Track and celebrate

And finally, the fun part. Each resolution gets a page of its own in my Bullet Journal, which means lots of colorful checks and boxes! I keep track of how many days or weeks per month I stick with my resolutions. I set small goals for myself, and I give myself little rewards for hitting milestones. My reward might be an afternoon off, an extra hour of Netflix (do not tell the kids!), or an outdoor, socially distanced coffee with a friend. Celebration is so important. It motivates me to repeat the habit and have a better experience.

So there you have my secrets to setting and keeping my resolutions. I would be so grateful if you’d share yours with me on Twitter, Facebook, or LinkedIn. I’d be delighted to be your accountability buddy!

Source: quickanddirtytips.com

Hitting the Books Again? Here’s How to Financially Prepare for Grad School

Deia Schlosberg had been working as an environmental educator, teaching students about issues concerning conservation and sustainability. While she loved teaching, she wanted to reach people on a larger scale about the importance of protecting the environment. So she decided to follow her dream of becoming a filmmaker—a dream that would require her to return to school for a graduate degree. She had no idea at the time that it would lead to becoming an award-winning documentarian.

While Schlosberg’s choice may have paid off, learning how to pay for grad school as a working adult can be a challenge. There are various benefits to getting an advanced degree: You can learn more, you can earn more, you can further advance in your current job or prepare for a career change. However, you might also find yourself stressed by the expense and resulting debt of it all, especially if you have kids, a home or other financial commitments. So a big question on your mind could be, “How much should I save for grad school?”

To financially prepare for grad school it’s important to weigh the benefits and stressors that surround getting an advanced degree.

Below are some lessons on how to financially prepare for grad school to help you determine if and when you should go back to school. If you haven’t yet decided if graduate school is right for you, see section 1 for tips on how to decide. If you already know you want to go back to school, skip to section 2.

1. Decide if going back to school is right for you

Getting an advanced degree may seem like a ticket to success, but depending on your chosen area of study, the outcome may vary. For Schlosberg, it was a bit of a risk. It can be difficult to get a break in the film industry, and going to grad school could mean carrying around debt for a long time. Is this the type of outcome you would be willing to accept?

According to Emma Johnson, best-selling author, career consultant and founder of Wealthysinglemommy.com, there are a few things you can do to help you decide whether or not going back to school is right for you:

  • Do your homework. When considering how to pay for grad school as a working adult, research your degree options and the jobs to which they might lead. Compare cost and compatibility—for instance, will classes for the program align with your work schedule? Once you’ve determined what kind of occupation you may pursue after grad school, search online for information about that occupation’s average earnings.
  • Solidify your goals. You may find clarity in writing out your goals for going back to school. Some benefits are tangible, like earning more money, building a professional network and gaining skills. Others might be less tangible, such as finding personal fulfillment. Once you know your goals, it will be easier to determine if a graduate degree makes personal and professional sense.

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“Your savings should not only depend on tuition but also what the degree is—i.e., how easy it will be to repay once you are working in the desired field.”

– Deia Schlosberg, filmmaker
  • Give your degree program a test run. Consider taking classes that relate to the degree you are interested in getting in grad school. These classes can give you a taste of the subject matter you’ll be studying and help you meet people involved in the field. Also, if prerequisites are required for your advanced degree, they often cost less online or at a community college, which is important to remember when thinking about how to prepare your finances before grad school. Make sure the course credits will be accepted at the graduate school you plan to attend.
  • Take a hands-on approach. To level up in your existing career or find out what it’s like in a new field before making the change, get some work-related experience first. For instance, to learn more about moving up in your own field, get out and meet those higher level professionals by attending conferences and networking events. The same tactic applies if you want to change careers.

2. Know how much you need to save

How to pay for grad school as a working adult can be complicated, but you’ve decided you’re ready for it. Plus, hitting the books at a time when saving for retirement or your child’s education could be at the forefront makes the task of how to prepare your finances before grad school even more critical.

Understanding how to prepare your finances before grad school becomes more complicated if you’re also budgeting for a retirement plan or child’s education.

Figuring out how much to save for grad school begins with determining the cost of attendance. Here are a couple ways to do that, according to Johnson:

  • Do the research. Once you have found a school and degree that you like, visit the school’s web site. Some schools may provide the cost of tuition, fees and estimated costs for books, supplies and transportation. Costs can vary tremendously, depending on various factors: whether you attend full or part time, whether you attend a public or private school, whether you are an in-state or out-of-state resident and the time it takes to get your degree.
  • Determine your budget. Once you have a handle on the school-related costs, build a spreadsheet that accounts for these costs and projects monthly income and living expenses. Working through a savings plan beforehand can help you financially prepare for grad school by showing just how much you’ll need to budget for monthly on tuition plus living expenses. Once you determine these factors, you’ll get a better idea of what you need to save up.
  • Create a savings buffer. After you determine your monthly costs, pad that number. “Your savings should not only depend on tuition but also what the degree is—i.e., how easy it will be to repay once you are working in the desired field,” Schlosberg says. She saved a little more than she estimated, giving herself an extra cushion to cover some of the potential risk to her finances.

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“You may have to downscale your career and current lifestyle to go back to school, which may be a worthwhile investment of time and resources.”

– Emma Johnson, career consultant

3. Allow yourself a flexible timeline

One key factor in planning the timeline for earning your graduate degree: Don’t be in a rush. If you need to, create the time to save. It may not be necessary to go back to school full time or finish on a particular schedule, Johnson says. She mentions these possible paths to earning your degree when planning how to pay for grad school as a working adult:

  • Consider a side hustle. One option is to go to school full time and take on a side hustle. You may not make as much as you did as a full-time employee, but the income can complement your savings. It may also allow you to concentrate more on your degree and finish faster.
  • Attend part time. Go to school part time (nights and weekends) while working. It will take longer, but it will also minimize your debt, which could be better in the long run.
  • Take it slowly. Only sign up for a class or two—whatever you can afford—and continue to work. This part-time “lite” approach may take even longer, but could help you avoid overextending yourself financially or sliding into debt.
  • Take online classes. Consider online programs that could lower the cost of tuition and allow you to continue working full time.
If you’re wondering how to pay for grad school as a working adult, consider attending school part time and taking online classes.

4. Take advantage of potential cost-saving benefits

So you’ve done your research on how much you need to save while determining how to prepare your finances before grad school. But there are ways to potentially cut or eliminate some of those costs. What comes next are some solutions that may help pay your grad school bills:

  • Consider loans, financial aid and scholarships. “I took out some student loans for living expenses, but I tried to pay off my tuition as I went by working through school,” Schlosberg says. Graduate students may also be eligible for different types of scholarships and grants, which is aid that does not need to be paid back. Depending on your area of study, scholarships and grants can also be obtained through federal and state organizations, private foundations, public companies and professional organizations.
  • Ask your employer to pay the tuition. One way to financially prepare for grad school is to talk to your manager or human resources representative to find out if your current employer would help pay for, or fully fund, your degree through tuition reimbursement. This is most likely if you plan to move up the ladder and use your new skills on behalf of the company.
  • Take advantage of in-state tuition. Some people move to the same state as their desired school to try to get a break on tuition. “I moved to Montana and worked a couple jobs for a year before applying so I could get in-state tuition,” says Schlosberg. Whether you are already a resident or you move to a new state, be sure to determine how long you need to be a resident to qualify for in-state tuition at your desired university.
  • Cut back on discretionary expenses. Seemingly small things like adjusting your lifestyle to lower your monthly costs, which could mean fewer lattes and dinners out, might go a long way in resolving how to prepare your finances before grad school. “You may have to downscale your career and current lifestyle to go back to school, which may be a worthwhile investment of time and resources,” Johnson says.
When determining how to financially prepare for graduate school, consider scholarships, in-state tuition and tuition reimbursement.

Financially prepare for grad school and get a new start

Answering the question of how to pay for grad school as a working adult requires significant research and preparation, but some say it’s worth it, including Schlosberg. It not only gave her a whole new start, but a wealth of knowledge going forward to nurture her future endeavors. “Getting a graduate degree gave me the confidence to jump into a new career. I met an amazing network of people,” Schlosberg says.

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But an advanced degree may not be a necessity. While it could look impressive on a resume, for many employers, a master’s degree is not a requirement. “Whatever you do, don’t go back to school just for the sake of getting a degree,” Johnson says. When thinking about how to financially prepare for graduate school, make sure it fits into your financial picture and that you’re able to “weigh your sacrifices against future gains,” she says.

The post Hitting the Books Again? Here’s How to Financially Prepare for Grad School appeared first on Discover Bank – Banking Topics Blog.

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The Average Salary of a Surgeon

The Average Salary of a Surgeon

Surgery is a prestigious field that requires a high degree of skill, dedication and hard work of its members. Not surprisingly, surgeons’ compensation reflects this fact, as the average salary of a surgeon was $255,110 in 2018. This figure can vary slightly depending on where you live and the type of institution at which you work. Moreover, the path to becoming a surgeon is long and involves a substantial amount of schooling, which might result in student loan debt.

Average Salary of a Surgeon: The Basics

According to the Bureau of Labor Statistics (BLS), the average salary of a surgeon was $255,110 per year in 2018. That comes out to an hourly wage of $122.65 per hour assuming a 40-hour work week – though the typical surgeon works longer hours than that. Even the lowest-paid 10% of surgeons earn $94,960 per year, so the chances are high that becoming a surgeon will result in a six-figure salary. The average salary of a surgeon is higher than the average salary of other doctors, with the exception of anesthesiologists, who earn roughly as much as surgeons.

The top-paying state for surgeons is Nebraska, with a mean annual salary of $287,890. Following Nebraska is Maine, New Jersey, Maryland and Kansas. Top-paying metro area for surgeons include Cincinnati, OH-KY-IN; Winchester, WV-VA; Albany-Schenectady-Troy, NY; New Orleans-Metairie, LA; and Bowling Green, KY.

Where Surgeons Work

The Average Salary of a Surgeon

According to BLS data, most of the surgeons in the U.S. work in physicians’ offices, where the mean annual wage for surgeons is $265,920. Second to physicians’ offices for the highest concentration of surgeons are General Medical and Surgical Hospitals, where the mean annual wage for surgeons is $225,700. Colleges, universities and professional schools are next up. There, surgeons earn an annual mean wage of $175,410. A smaller number of surgeons are employed in outpatient Care Centers, where the mean annual wage for surgeons is $277,670. Last up are special hospitals. There, the mean annual wage for surgeons is $235,770.

Becoming a Surgeon

You may have heard that the cost of becoming a doctor, including the cost of medical school and other expenses, has soared. Aspiring surgeons must first get a bachelor’s degree from an accredited college, preferably in a scientific field like biology.

Then comes the Medical College Acceptance Test (MCAT) and applications to medical schools. The application process can get expensive quickly, as many schools require in-person interviews without reimbursing applicants for travel expenses.

If accepted, you’ll then spend four years in medical school earning your M.D. Once you’ve accomplished that, you’ll almost certainly enter a residency program at a hospital. According to a 2018 survey by Medscape, the average medical resident earns a salary of $59,300, up $2,100 from the previous year. General surgery residents earned slightly less ($58,800), but more specialized residents like those practicing neurological surgery earned more ($61,800).

According to the American College of Surgeons, surgical residency programs last five years for general surgery. But some residency programs are longer than five years. For example, thoracic surgery and pediatric surgery both require residents to complete the five-year general surgery residency, plus two additional years of field-specific surgical residency.

Surgeons must also be licensed and certified. The fees for the licensing exam are the same regardless as specialty, but the application and exam fees for board certification vary by specialty. Maintenance of certification is also required. It’s not a set-it-and-forget-it qualification. The American Board of Surgery requires continuing education, as well as an exam at 10-year intervals.

Bottom Line

The Average Salary of a Surgeon

Surgeons earn some of the highest salaries in the country. However, the costs associated with becoming a surgeon are high, and student debt may eat into surgeons’ high salaries for years. The costs of maintaining certification and professional insurance are significant ongoing costs associated with being a surgeon.

Tips for Forging a Career Path

  • Your salary dictates a lot of your financial life, such as how much you can afford to pay in rent and the slice of your paycheck that goes to taxes. However, there are some principles that apply no matter your income bracket, like the importance of an emergency fund and a well-funded retirement account.
  • Whether you’re earning a six-figure surgeon’s salary or living on a more modest income, it’s smart to work with a financial advisor to manage your money. Finding the right financial advisor that fits your needs doesn’t have to be hard. SmartAsset’s free tool matches you with financial advisors in your area in 5 minutes. If you’re ready to be matched with local advisors that will help you achieve your financial goals, get started now.

Photo credit: Â©iStock.com/megaflopp, ©iStock.com/XiXinXing, ©iStock.com/shapecharge

The post The Average Salary of a Surgeon appeared first on SmartAsset Blog.

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Camera Basics For Beginners

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Difference Between Lightroom And Photoshop Adobe Photoshop Lightroom is in fact a completely different program than Adobe Photoshop. One of the primary differences between the two is the fact that Lightroom is a photo processor and image organizer, whereas Photoshop is a graphics editor that primarily edits raster images. Adobe Photoshop and Adobe Lightroom both allow a user to edit

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Find Models For Photography

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Photo: Sarah Kobos Flaws but not dealbreakers: The TravelCards’ 1,500 mAh capacity rating is the lowest of any model we …

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Difference Between Lightroom And Photoshop

Adobe Photoshop Lightroom is in fact a completely different program than Adobe Photoshop. One of the primary differences between the two is the fact that Lightroom is a photo processor and image organizer, whereas Photoshop is a graphics editor that primarily edits raster images.

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This video by Nemanja Sekulic is an excellent tutorial about how to put both Lightroom and Photoshop to use when color grading your portrait work. There is a specific difference between color …

The full name for Lightroom is “Adobe Photoshop Lighroom”, which may sound confusing, because it contains the word “Photoshop”. In a way, it makes sense, because Lightroom can be considered a subset of Photoshop with specific functionality that Photoshop does not and probably will never have.

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