August, I picked up on two questions in your message. First, is over-40 a job seeker's handicap? Second, given the first, will it be difficult to enter the finance field? I find myself in a similar position. I'm over-40 (age 52), over-educated (BS, MBA-Fin., Ph.D.), who's biological sciences career is in a very small industry prone to long-lasting economic cycles (paper & forest products industry). I attempted to re-educate/train myself in finance and enter the financial field. I was successful to some degree. Until succumbing to a recent corporate downsizing, I was a Finance Manager in (yes, you guessed it) the damned industry I started in. [The downsizing was clearly biased against over-40 employees. That's why the corporation gave a severence package and a no-sue contract. But, that's a different story for a different time.] I was the corporation's senior analyst and managed a finance & accounting department. I have strived to secure a finance position in any industry in the Seattle, WA, area. It's been very difficult, disheartening, frustrating, and unsuccessful. Here's my perception as to why.Despite interviewing strongly for posiitons in financial analysis and accounting management, I recieve the same retoric: " There's no question you can do the work and your credentials are steller. But, I don't know if we could keep you challenged." Or try this one: " We were looking for someone less qualified than you." Reading between the lines, one must conclude that age and years remaining before retirement (I'd like to think 10-15 years) are working against me. Breaking into the investment banking area is not likely. According to many testimonies from others in this career area, it is very stodgy, boys-club oriented, and closed to most unless you started in the "club" right out of college.In summary, I wish you well my friend. Recently earned degrees will help you. You're not yet over-40 (or worse yet, over-50). So, your prospects will likely be good...not excellent...but good. Let's all hope the economy and corporate captains improve, ehh?