Ask MiGoals: "I’ve spent $60k on a degree but now I want out of my career."

Posted by Anna Mackenzie on


Ask MiGoals

Question:

I’m in my mid 30s and feel totally stuck.

A few years ago I completed my Masters Degree in Public Policy. It took me years to complete and also cost an arm and a leg, I’m talking upwards of $60k. I’m still paying this damn thing off and I’ve made a lot of sacrifices to get here.

I now work in Public Policy, and it’s not what I expected or hoped for. Most days I feel empty. I’ve been playing this feeling down, telling myself that a job is just a means to an end and I can still enjoy my life outside work, even if I can’t enjoy myself within it.

But the more I tell myself that, the more I realise I’m fooling myself. I’ve recently felt the urge to explore a passion of mine - personal training. I’ve always been a fitness freak and love running PT sessions for my friends. I’ve found an online course I could take but it costs $2k and even though I can afford it, I just can’t drum up the courage to buy it when I’ve already invested over $60k in my Masters Degree. I want to explore PT but I’m scared to put the wheels in motion that may mean giving up what I’ve worked hard for.

How can I gain the courage to explore something new?

— Maddie

This month’s Ask MiGoals column is written by Anna Mackenzie.

ANNA'S ADVICEAnna Mackenzie

@annaclmack

Anna is a founder, startup consultant, host of the lady-brains podcast and writer of Anna Mack’s Stack; a weekly newsletter sharing business, career and life lessons infused with a dash of humour and vulnerability. Subscribe to her newsletter here and follow her on instagram.

Ohhhh, Maddie. I hear you, I feel you. Leaping into the unknown is terrifying and even more so when it means ditching a path you’ve worked so hard to carve for yourself. Earlier in my career I went through something similar when I decided to leave my dream first job at Japanese retailer Uniqlo. I was hired to help launch the brand in Australia - a pretty big job for a very inexperienced graduate - and while most of my peers were taking meeting minutes or doing data entry, I was living in Singapore and Tokyo slurping ramen and shadowing the Asia-Pac CEO.

After completing my overseas training I moved home and opened the first two megastores in Aus. I should have been celebrating our success but a voice in my head had emerged, telling me that I should leave and do something else. I pushed that voice away and doubled down, convincing myself that I couldn’t leave after only two years, especially since they’d already invested so much in me.

But the longer I stayed the more miserable I became. I couldn’t see it then but I was deep in the throes of the Sunk Cost Fallacy: the false belief that I should continue with my career just because I’d invested time and effort into it already.

Maddie, might you also be blinded by similar sunken cost thoughts?

Is the main reason that you want to stick with Public Policy due to the cash you’ve poured in already?

Or is this the only reason?

Are you keeping on with something you don’t want to keep on with, just because you’ve kept on at it for so long? If you answered yes to these 3 questions your response may be driven by fear. And I viscerally get why: changing course could have real life implications and you still have to pay rent and put food on the table even if that food is only a packet of chicken 2 minute noodles.

But here’s the thing. The Sunk Cost fallacy is just that; a fallacy.

Doubling down on an existing path is pointless if it’s not the right path in the first place.

You say you don’t want to give up on the career that you spent so much time and money on creating. But I’m wondering, how do you feel about giving up on a potential passion that’s just starting to emerge? How might you feel 40 years from now when you’re kicking back in a Retirement Village thinking back on your career, if your entire career remained simply ‘a means to an end’?

It may be useful to throw on some binoculars and point them towards the future. Ask yourself:

  1. How does your current career align with your vision and long term goals?
  2. How does your current career serve you? Is it purely financial? Do you have great work relationships? As hard as it is, try and put the time and money you’ve already invested to the side.
  3. What could you lose by not pursuing your PT dream? Think about all the people you could meet, the places you could go and the impact you could have.
  4. Can you test the PT waters without going all in? We’re lucky to live in a world where side hustles exist alongside full time gigs - balancing passion with pragmatism might be the safer path to take here.

When I pulled on the threads of these questions all those years ago I realised that I wanted to live a big, full life that lit me up no matter what it took. I was passionate about building businesses and writing, not about Uniqlo’s Ultra Light Down Jackets or White Crew Neck Tees. And so…I finally summoned the courage and took the leap. And as someone who has landed safely on the other side, I don’t regret it one bit.

Maddie, you’re in a unique position where you can pursue your PT passion on the side to see if it’s truly the life path you want to take. So why not bet on yourself and buy the course?

If you end up realising that PT isn’t for you after all, at the very least you will have given yourself the chance to find out.

And if you discover that it is?

You’re a smart cookie, you’ll figure out what to do next. You have a Masters Degree after all.

— Anna

Shop our 2024 collection and gain the courage to pursue your dreams this year

Got a dilemma MiGoals can help solve?Ask MiGoals

Have a question about goal setting or personal growth that you’d like answered? We’d love to hear it. Go on, ask us.

410 comments

U svojoj ulozi radim s odjelima za osiguranje, obradu, financiranje i drugim odjelima. Svaki od ovih timova dolazi s ogromnim bogatstvom znanja. To mi omogućuje da steknem više znanja o svojoj ulozi i pružim članovima bolje iskustvo. Dobijte svoju financijsku slobodu od nas danas. Dugujete li, trebate zajam, brz i pouzdan, ovo je mjesto za dobivanje vjerodostojnih zajmova. Nudimo poslovne zajmove, studentske zajmove, stambene zajmove, osobne zajmove itd. Kamatna stopa zajma od 3%. Kontaktirajte nas danas. Imate priliku dobiti novčani zajam u iznosu od 2000 (€$£) – 5.000.000 – 100.000.000 (€$£) s mogućnošću otplate od 1 godine do 45 godina bez jamstva nekretnine.
Viber: +385915608706
WhatsApp: +385915608706
E-pošta: hybridalliantcreditunion@gmail.com
© 2025 Alliant Credit Union
11545 W. Touhy Ave., Chicago, IL 60666
Usmjeravanje #271081528

Alliant Credit Union on

After losing $450,000 worth of Bitcoin to a scam, I felt completely defeated. I tried several recovery companies over the course of many months, but none delivered results—most only added to my frustration and hopelessness. Then I found Swift Assets Recovery, and everything changed. From the beginning, their team showed genuine professionalism, transparency, and a clear understanding of how crypto scams operate. Unlike the others, they didn’t make empty promises—they took action. They worked tirelessly, kept me informed at every stage, and, most importantly, they succeeded in recovering my stolen Bitcoin. I can’t express how grateful I am for their help. Swift Assets Recovery restored not only my funds but my peace of mind. If you’ve been scammed and feel like you’ve run out of options, don’t give up—Swift Assets Recovery truly delivers. Email:(swiftrecoveryservice006 (@)gmail . com) or WhatsApp number: +1 (352) 436-7955 Or Telegram @SWIFT_HACKING Website https://swiftspyassetsrecovery.com

Anna Torres on

Absolutely — here’s a more naturally worded and well-punctuated version of your review, while still keeping it professional and heartfelt:

A Genuine Thank You to Troyhacks Cyber Security – £218,000 Recovered in Just 72 Hours

I never thought I’d be writing something like this — especially not after losing £218,000 worth of Bitcoin to an investment scam. It was one of the most devastating experiences I’ve ever gone through. The scam was sophisticated, and by the time I realised what had happened, the funds were long gone. I felt helpless, embarrassed, and honestly didn’t know where to turn.

Thankfully, after doing some research and reading a few encouraging reviews, I came across Troyhacks Cyber Security Company. Reaching out to them was the best decision I could have made.

From the first moment, their team was professional, understanding, and clearly experienced. They didn’t offer false hope — just a clear explanation of what could be done and how they would approach it. What truly amazed me was how quickly they worked. In just 72 hours, they successfully recovered the full amount I had lost.

Their methods are advanced and clearly backed by deep knowledge of blockchain technology, cyber forensics, and digital asset tracking. They kept me updated throughout the entire process, and I never felt left in the dark.

I honestly can’t thank them enough. I had come to terms with the fact that the money was gone forever — but Troyhacks proved that there is hope, even in the worst situations.

If you’ve lost cryptocurrency to a scam, I strongly recommend contacting them. They are professional, discreet, and — most importantly — effective.

You can reach them directly at: [Troyhacks@cyberservices.com]

To the entire team at Troyhacks: thank you for giving me peace of mind and helping me reclaim what I thought was lost forever.

Mark Anderson on

I lost some cryptocurrency recently and it was very hard to get it back from the scammer until someone recommended a professional recovery hacker that used their effective recovery tools to get my btc back for me. Their contact information is provide below and can be used to reach out to them for help

Email:recoveryhacker101@gmailcom

Jessica Ortega on

RECOVER YOUR STOLEN MONEY FROM SCAMMERS WITH CYBER SPACE HACK PRO

I’M Donna Todd i started online dating to find a better half. I was matched with this lady living in the next city. I fell deeply in love that I can’t pass a night without us conversing. I got fond of her and I sent money and gifts on several occasions by requests from her or free surprises from me. After a while, she suggested we both invest in the future we are both planning. She referred me to a Crypto capitalist where I can invest my retirement funds to yield more and that’s how I ended up losing $550.000.00 of cryptos. I later realized she was fake and probably some guy on the internet from a country I wasn’t even aware of. I searched the internet for a solution and that’s when I reached CYBER SPACE HACK PRO being positively reviewed by their previous clients. I’m glad I contacted and reported the whole situation to him, I got all my sent money recovered.
contact CYBER SPACE HACK PRO
via: cyberspacehackpro@rescueteam.com
W-App: 1 (659) 217 (9239)
https://cyberspacehackpro0.wixsite.com/cyberspacehackpro

Donna Todd on

Leave a comment