Basically what I mean by my title is that I am intent on getting a PHD in pure math because I love the subject, and am still young enough to do it without throwing the rest of my life into disarray. But beyond that I need to have a plan. Plan A is clearly to go on to do several post-docs followed by a tenure track position as a research mathematician. However, it has been made abundantly clear to me that the prospects in academia are quite bleak, hence I need a plan B. The two career options I hear over and over again for math phd's are software engineer or financial mathematician. Of these two I think I would prefer being a financial mathematician, as, in contrast to software engineering, it seems to intersect non-trivially with some advanced topics in math, specifically measure-theoretic probability and real/fourier analysis ( please correct me if I am misinformed in regard to this assumption ). Plus I find economics and finance interesting subjects in their own right, although of course not hardly as interesting as I find pure mathematics. My question is: should I start preparing now? I will probably be applying to PHD programs either next fall or the fall after that, depending on how many graduate courses I want to take before I apply, so should I just buckle down on the pure math for now and worry about preparing for plan B maybe as I'm finishing up my PHD? Or, should I begin studying finance and applied math, and learning to program, now?