Don’t be afraid of…the exams
I interviewed for a few positions after applying online and interestingly enough, the one that most appealed to me was the Client Relationship Associate position, an entry level job that was client-facing. I was offered the position, but I had two securities exams to take before I could start serving clients. Vanguard offered support, at-work study time, and classes to ensure that I passed. Despite this, I was still scared—I had been out of school a long time—and how could I, at age 45, memorize financial formulas?
Luckily, I had majored in Psychology in college and remembered how memory works. So, although the usual study strategy is to do all the reading, then study for and take the practice tests, I recalled that older or busier minds work differently. They need to start the self-testing sooner—the in and out of information commits it to memory better. Cramming doesn’t work in midlife! My mind was already juggling too much—kids, eldercare, grocery lists, volunteer work, etc. It was painful to score a 10% on the first practice test, but I hadn’t finished the reading yet so I kept going, and my score kept increasing. I passed the securities exams and started my job on time. I used the same strategy to pass the CFP® exam at age 49.