Stuck in a Career at 40? 5 Reasons Why - and How to Break Free

Does it feel like life has taken you over? Like you are powerless and not in control of your direction any more? That your energy is lower and nothing is that much fun any more?

This was not how you thought life would be after you hit 40!

A Nottingham Trent University survey found that almost half of UK workers feel too scared to make a career change, and many believe they’ve already “missed the boat.” (NTU, 2025)

This article gives five reasons why men get stuck in a career after 40, and five ways to break out and regain control.

Stuck in a Career at 40: 5 Reasons Why

1) Financial Obligations

Once you hit 40, it is rare that you only have to look after yourself. Other people are often financially dependent on you, and “lifestyle inflation” over the years means you have higher bills and outgoings.

Also, everyone has a natural tendency towards “loss aversion”. The fear of losing something, such as income, is felt much more than the idea of gaining something, such as happiness.

The result?

A miserable job almost always wins out against risky and uncertain alternatives.

So you delay retraining, you shy away from entrepreneurship, you tolerate a toxic workplace, you accept having unmet needs such as growth or contribution.

2) Career Identity

It is very common for your work to become your identity. 

Your career determines whether you feel a success or a failure. Your self-worth gets dictated by whether you believe you are performing in your job. You see your purpose as “to provide for my family”.

Basing your identity around your career leads to paralysis. Men end up staying in their roles to maintain their reputation, or fool themselves that getting the next promotion won’t feel hollow.

3) Specialisation & Sunk Costs

Having specialised skills might have been good for career development and earning. But they are not always easy to transfer to a new area.

And people are often victims of “sunk cost thinking”. “I invested 15 years building my career and reputation in this area, I can’t leave now”.

As a result, you accept being in a misaligned role or a soul-draining career to maintain compensation.

4) Constraints & Market Dynamics

Constraints come in many forms. There can be “golden handcuffs” from stock options or pensions.

And the job market for over 40s can present very real barriers. If someone is a “new entrant” the hiring market will often favour younger applicants.

The implications are that staying is the path of least resistance.

5) Psychological barriers

Last, but definitely not least, psychological barriers in the form of fear, uncertainty and decision paralysis.

It is natural to have cognitive and emotional barriers. The most common barriers are a fear of failure; perfectionism - the need to be “perfect” from the start in a new career; “learned helplessness” - a belief that you cannot affect your situation; and a low tolerance for the ambiguity that usually surrounds change,

Mental health issues - such as burnout, anxiety, and depression - also reduce the bandwidth needed to plan and make a change.

The result is that you remain stuck even when you know that other options exist.

5 Practical Solutions to being Stuck in a Career at 40

Here are five practical ways you can break out of your career rut.

1) Build a safety net

Building savings to get you through 6-12 months of transition can be invaluable. Not only is it a practical way to financially navigate a change, mentally you start to look for ways of making it happen. It starts to crack open the bindings that are keeping you stuck.

You might even not have to save. Maybe you can work out how to cut back during a transition period. Is that lifestyle you are clinging to really that important to you if you are unhappy at work?

2) Reframe your identity

Reframing your identity is not as hard as it sounds. 

You can start by identifying yourself by your values rather than your profession. For example, “I am a person who values helping others, personal growth, family and being creative” instead of “I am an IT executive”.

Also consider expanding your areas of competence and meaning beyond work. Your identity narrows over time when all your growth happens in one domain (career). It is important to have other contexts where you can feel capable, challenged, and purposeful. Hobbies or volunteering is a great place to start.

Finally, write out your career story from a different perspective. List out the major decisions, transitions, and inflection points in your career. Then write it again but from the perspective of: “What was I learning or proving to myself here?” Then think about what you would like the next chapter of your career to be.

3) Define your value proposition for 2-3 target roles

Identify two or three dream roles you would love to do. Then write down all the reasons you would be good at it and what you have to offer. 

This starts to build confidence, opens up a positive future vision, and generates a mindset orientated around what is possible.

If you find it hard to identify what you can offer, have a look at the self-discovery questions in this article: Not motivated to work: midlife solutions

If you don’t know what kinds of roles would be of interest, consider suggestion number five.

4) Start making low cost, low risk experiments

You don’t have to switch careers immediately, and it doesn’t have to be a huge career change. In fact, this can be a rash move unless you have a strong feeling that is the right thing to do.

Make a list of all the roles you would like to do if money was not a factor. Then find some inexpensive ways to try and test them out. You will learn so much by speaking to people and experimenting.

The important thing is to start taking action. To start working towards a better future and not accepting the status quo.

5) Talk to a Career Coach

Yes, I am a career coach so of course I am going to recommend coaching! But it is so much better trying to figure out the way forward with someone else. And the success rate and ROI from coaching is high. 

Read more about my clarity & confidence package for an understanding of what the coaching could look like.

Stuck in your career and want help?

Book a free Discovery Call to understand how I can help you identify and then transition to a more fulfilling career.

Author: Tim Storrie

-------------- About the Author: Tim Storrie

I'm an ICF-accredited career coach with an Oxbridge education, an MBA and a corporate background.

Drawing from my own mid-life experience of burnout and transition to a more fulfilling career - I help men over 40 with symptoms of burnout, and who are feeling lost and frustrated, to find a career that excites them by gaining clarity and confidence.

My coaching approach is both nurturing and challenging, and combines a structured, exercise-based approach with a focus on getting to the underlying heart of the matter.

Would you like to understand how career coaching can help you get clarity on a more fulfilling future?

Book a free Discovery Call at: https://www.timstorriecoaching.com/contact-me