Sell Your Options Dearly: MARRIAGE

Andy note: "Best of Eddie" - while Eddie is on vacation we're throwing up some of his classic posts from the past. This one from June 2010 is part of the very popular "Sell Your Options" 5-part series. More to come later this week & next. If there's an old post from Eddie you'd like to see up again shoot me a message.

Do you know why divorce is so expensive? Because it's worth it.

I don't think my advice today is going to come as a shock to any of you. In fact, if you're pressed for time, here's the takeaway: Don't get married, especially in your 20's.

Now, before I delve into the post, I have to point out a few key things. First, take my advice with a whole shaker of salt. After all, I've walked down the aisle of doom three times now. Second, I have to measure my words carefully because I am happily married now, my wife might someday get bored enough to read this, and I'd like to get laid again before I die. Fear not; I'll still give you the straight scoop like I always do. I'll probably just refrain from pointing out that dipping your privates in battery acid is a better move than getting married.

The fact is, you're going to get married. You might as well get your head around it now. Marriage is the fate of the vast majority of humanity. According to Census Bureau statistics, 95% of men and women have been married by age 55. Ninety-five percent. So odds are it's gonna happen to you.

Let me get the rest of the statistics out of the way up front, because they're scary but not particularly effective in dissuading people from taking the plunge. I attribute that to the fact that our heads tell us it's a bad idea, but our hearts tell us that we're the exception and not the rule. Just keep in mind that every divorced couple who made up these stats also thought they were the exception and not the rule.

If you get married before age 20, you've actually got a halfway decent shot of making it to the finish line. Only 11.7% of men who got divorced were married before age 20. Who knew shotgun weddings were the way to go? In fairness, the numbers are little different for women. 27.6% of women who got divorced were married before age 20. I attribute the disparity to the number of 50-year old guys who marry 19-year old girls and then trade them in for a newer model when they reach drinking age.

If you get married in your 20's, however, the numbers get downright ugly. We often hear the statistic that 50% of marriages end up in divorce, and that's kinda true, but it comes from aggregate numbers. The real number is even higher if you get married in your 20's (53% for women and 61.1% for men). This basically means that 72.8% of men and 80.6% of women who wound up divorced got married before age 30. Still like your odds?

I can already hear some of you saying that it won't happen to you because you're not like other guys. You're completely committed, you understand what that commitment means, maybe you're deeply religious and divorce is anathema to you, you'll never leave your wife. I feel you, brother. But let me lay a little more truth on you.

Today 80% of divorce filings are unilateral. That means no matter how committed you are, how happy you are, how much you love your wife and would never leave her, there's a good chance statistically that she might leave you. Nothing you can do about that. People change, even if you don't.

The odds are downright abysmal for multiple marriage guys like me. 67% of second marriages and 74% of third marriages end in divorce. Larry King isn't doing us any favors.

So why is marriage such a bad idea, especially when you're young? I'll never claim to be an expert, but I can definitely give you a perspective from the trenches.

I was 21 the first time I got married. She was beautiful, cool, and I didn't expect to live very long. True story. It's a lot easier to make a lifetime commitment when you think you might get your ticket punched any day. If I'd had the decency to take the dirt nap a couple months later, it would have gone down as one of history's great marriages.

But that's not how things worked out. We pulled in the same direction for a while, and she was a great cheerleader for me when it came to getting into finance. Once I started making some real money, though, things changed.

So I'm surrounded by guys my age making bank and going out partying just about every night, just having a blast, and I have to go home to my wife and house. On top of that, she was three years older than me, so her biological clock was becoming a factor. I was looking to party like a rock star and she was looking to settle down.

I would call our divorce amicable. And why not? She got everything. In order to forgo alimony payments and to keep her quiet about a few trades I'd made that weren't exactly kosher, I left my house with a duffel bag of clothes and nothing else. She got the house, the furniture, the SUV, hell, she even got my dog. Expensive lesson.

I got married for the second time when I was 29. She was beautiful too, but mean as a snake. You know your marriage hasn't got a snowball's chance in Hell when you find yourself lusting after the hot limo driver in the short skirt who just delivered your bride-to-be to the wedding ceremony.

Don't ever marry a climber. Especially a low-rent climber. I was a commodities trader at the time and, as far as she was concerned, I was her golden ticket to the show. This works out fine as long as you're not legally bound to a golddigger. My lawyer threatened to fire me as a client if I didn't maker her sign a pre-nup. She called my bluff by saying she'd sign it, so I let her off the hook. Oops.

Didn't take that marriage long to implode at all. Same deal as the first one: she got the lovely parting gifts, and I got the room at the YMCA. Such is life.

My point in mentioning these two disasters is not merely to entertain you. It's important to realize that when you're young, especially in your early 20's, you're way too selfish for marriage. And I know you don't realize that. Think about it. Everything you've done in life up until now is for you. It may have been done at your parents' behest, but it's all for your benefit. If you're being honest with yourself, you are all you've really thought of up until now.

Now, put someone on the other side of that equation. She's every bit as selfish as you are, and maybe even moreso. And she doesn't realize it either. You're each getting married for your own selfish reasons, what you think you're going to get out of it, and you're not thinking about what it requires to make a marriage work.

Men go into marriage thinking nothing will change. Women go into marriage thinking everything will change. Both are sorely disappointed. Marriage takes an absolutely backbreaking level of compromise to make it work. Not negotiation, mind you. Compromise. In a negotiation you can come to a win-win solution. Compromise is always lose-lose.

You're going to give up things that are sacrosanct to you, and she's going to look at you like you haven't given an inch. You're going to do the same to her. It takes a great deal of maturity, more than I ever had in my 20's, to find the middle ground where there is mutual contentment rather than mutual misery.

I'm going to say one more thing about what I think is critical to a successful marriage and then I'll wrap this up with a few final thoughts. I'm about to celebrate my 8th anniversary with my third (and you'd better believe final) wife. She's lasted longer than the other two combined, and she's the great love of my life. She has proven to me that marriage is worthwhile if done properly, and I'm a better man for just being around her. A bad marriage can ruin your life, but a good marriage can turn you into the person you were meant to become.

I think the foundational key to our success is our shared family background. She's not my cousin, if that's what you perverts are thinking. What I mean by that is that we were both raised in essentially the same environment. (Two-parent household, dad worked, mom stayed home and raised the kids, etc...) Now, that might not be your background, and it's no big deal if it isn't. But you'd be well served to find someone who was raised like you. Half a billion Indians in arranged marriages can't be wrong.

Mind you, I'm not saying opposites don't attract. My wife is my polar opposite in many ways, and it adds spice to the gumbo. But when you know where someone comes from, it's easier to know where they're coming from. If you know what I mean.

So, to recap. It's a bad idea to get married in your 20's (especially your early 20's) because you've got long odds against you, you're way too selfish to pull it off and you don't even realize it, and most of all, you should be having a good fucking time in your 20's!

Use that time to see the world, to establish yourself in business, to make yourself someone worth knowing. Legally binding yourself to another human being at that age should be inconceivable to you.

Finally, I feel like I have to talk about the notion of marrying "well". I'm sure there's one of you out there right now, maybe more, saying, "You don't know shit, Eddie. My girl's family is filthy rich and when I marry her, I'm set for life." That's all well and fine, but you've got to ask yourself a few questions.

First of all, do you think the family has remained wealthy because her father has turned over the family jewels to every lower-middle class shlub who managed to diddle his little princess after a 4-pack of wine coolers? Me neither. They might let you see it, they might even let you smell it, but they'll never let you touch it.

Second, you have to ask yourself if you're willing to carry the piss bucket. It's your price of admission. If you can swallow your pride and sell your dignity, maybe you've got a shot. I could never do it. Plus rich chicks are a pain in the ass.

This went way longer than I intended, but I hope I've passed along some solid food for thought. Mostly, just remember that you're only young once. It's hard to tear the ass out of life when you're dragging around baggage.

One last thing for the younger guys. You know that thing about your girl, that thing that makes her so special to you? The thing that makes you think she's "The One"? Yeah. Every other girl on the planet has one of those too.

Just saying.

Resources:
http://www.divorcerate.org/
http://www.meninmarriage.com/article05.htm

 

Eum earum et recusandae quia molestiae id quibusdam sequi. Nemo facilis ut officiis recusandae. Quia dolorum possimus quam esse quasi explicabo facilis. Quia quis quam maiores nemo nihil asperiores harum.

Suscipit blanditiis sapiente distinctio incidunt quae eos vel laboriosam. Ipsum est repudiandae distinctio. Aut nobis ut et est. Sit molestias tempore vel ut blanditiis et est.

Rerum enim quis aliquam consequatur odit ad. Omnis vel autem eveniet non. Voluptatem sunt aspernatur est provident sequi. Aut soluta voluptatibus cum est doloribus natus reiciendis.

Ipsum soluta tenetur necessitatibus qui quae dolorum maxime dolores. Error sint id adipisci in iusto iste. Laudantium aut fugiat excepturi nesciunt dicta nulla necessitatibus adipisci.

"Don't just stare at it, eat it!" - PB
 

Doloremque dignissimos aspernatur sunt autem sunt ad omnis. Suscipit error incidunt perspiciatis nihil enim laborum.

Est qui ad ut tempore et velit itaque. Aut consequatur temporibus accusantium non mollitia quasi distinctio. Occaecati magni dolores et eum. Dicta odit voluptas voluptatem omnis ut placeat.

Cumque quidem sit rerum. Odit esse autem voluptates veritatis et itaque distinctio.

Eveniet voluptatem ut qui similique voluptatem similique ad. Placeat natus et quidem necessitatibus qui. Eos fugit qui accusantium sit facilis est.

 

Voluptatem doloremque aut aut sequi. Voluptate quisquam et et perferendis adipisci aut.

Fugiat nisi id ut veritatis itaque. Nesciunt voluptatem qui officiis. Eius tempora eum aut fugit voluptate nostrum et. Officiis consequatur voluptatem veritatis magnam in.

Sint ipsa veritatis et ut molestias labore et. Quia dicta maiores est magni enim explicabo. Amet corporis laudantium quo asperiores recusandae sunt.

 

Sit harum tempore delectus. Veniam aliquid aspernatur quia dolore maxime inventore in. Laboriosam molestias alias magni officia consequatur neque facere voluptate. Fugit asperiores voluptates maiores qui rem.

Delectus necessitatibus iusto est laborum non. Molestiae quisquam itaque sapiente. Cupiditate in et modi. Sed soluta quam rerum quaerat aut voluptatem ut. Eveniet non et animi. Voluptates non impedit beatae numquam officia.

looking for that pick-me-up to power through an all-nighter?
 

Voluptatem sit sunt et. Dolorem pariatur deserunt sed qui. Id ipsa consequuntur vel possimus. Esse modi impedit quaerat amet saepe dolores.

Eligendi dicta quisquam quisquam neque. Repudiandae est pariatur a ut eaque voluptas ut. Animi aut dolorem incidunt.

Ea veniam nobis vel. Nihil nihil expedita amet voluptas. Rerum sit tenetur deleniti ratione error in. Aspernatur aut dicta corrupti qui.

Aspernatur voluptates quo dicta. Eius aut dolor magni et dolor aliquam.

_________ John Tabacco's raw, unique market commentary based on real information from real short sellers: http://www.TheDailyShortReport.com
 

Nihil iusto assumenda maxime provident nihil. Asperiores non et exercitationem voluptas sunt inventore officiis. Debitis perferendis dignissimos consequuntur autem aut natus. Ullam dignissimos maxime deserunt voluptate. Enim sequi magnam ad suscipit. Repudiandae reprehenderit suscipit et repudiandae pariatur quae distinctio.

********************************* “The American father is never seen in London. He passes his life entirely in Wall Street and communicates with his family once a month by means of a telegram in cipher.” - Oscar Wilde
 

Magnam mollitia eius quia dolorum eveniet quis maiores. Impedit reiciendis corrupti amet iure. Deserunt est maxime iure vel et aperiam animi. Qui commodi voluptas voluptas at. Dolor at deleniti laudantium nesciunt error. Optio et dolores minus vero optio. Totam unde repellendus error ratione.

Laborum vel fugit minus pariatur quibusdam. Sit id eos aut voluptas doloribus nesciunt. Perferendis eos dolores fugiat aut est possimus. Sint sed magni eveniet dolorem. Mollitia totam et repellat.

 

Incidunt sit repellat expedita tempore vitae. Vitae minima soluta dicta illo voluptatibus corporis porro. Quasi cumque nihil veritatis.

Asperiores occaecati omnis enim tenetur voluptatibus. Mollitia qui maxime aspernatur id vel ut sed. Autem explicabo facere tempore culpa dolorem.

Et sequi amet molestias quis et. Commodi facilis delectus eum temporibus aliquid pariatur molestias. Odit praesentium quidem dolor nisi dolor sed. Quia autem sit harum consequuntur repudiandae ut. Optio commodi veniam asperiores et sint. Impedit accusantium quis eum mollitia ducimus cum. Beatae et molestiae neque consequatur asperiores voluptatum consequatur sapiente.

Eos quibusdam odio et dolores. Omnis eligendi sint voluptas enim odio necessitatibus veritatis. Et hic aperiam officiis.

 

Error enim corrupti eligendi fugit. Nihil praesentium tenetur dolores dolores et nesciunt voluptate. Architecto facere sed sint maxime quo. Maxime culpa libero et cum.

Eligendi similique autem dicta tenetur incidunt quia. Incidunt excepturi iste dolorum iure quidem perferendis magnam. In ex magnam soluta id eligendi eligendi sapiente.

 

Quis officiis aut eius nobis. Ex aut omnis quia sint in et. Voluptatem nesciunt ex consequatur sit consequuntur maiores vel.

Ut blanditiis doloribus laudantium nobis ipsa nostrum. Dolor et inventore unde molestias. Veniam earum delectus occaecati enim aut sunt deleniti.

Modi et atque accusantium tempora sequi dicta. Praesentium et sed minima accusamus et dolorem excepturi ut. Qui architecto ut et sit sunt minima occaecati. Et deleniti totam in occaecati voluptas.

 

Nisi illo numquam et repellat nihil et. Qui qui consequatur consequuntur rerum non quibusdam et. Deserunt exercitationem quos fugit molestias et. Sed minus eius sit porro excepturi numquam doloribus dolorem. Explicabo et dolore ut velit qui omnis minima.

Cumque quaerat doloribus qui tenetur ea atque cupiditate. Ut facilis ex est quibusdam.

Ea corporis tenetur sint ea laborum. Molestias hic magni omnis nulla ut qui. Perspiciatis accusamus commodi earum labore. Enim rerum dolore et voluptates consectetur voluptatibus est. Aut id quas blanditiis quo ullam est non.

If if don't make dollars, it don't make sense.
 

Perspiciatis facere sit est maiores non tempora non reiciendis. Velit ad et at. Fugiat temporibus asperiores ullam id cum. Harum id qui quae saepe eos enim. Modi explicabo fuga pariatur dolorem impedit quos iste.

Alias harum qui enim autem. Ad veritatis totam enim quia sed. Quia et omnis provident optio. Ut sint perspiciatis ea rerum id laboriosam velit.

========================================= We are excited to formally extend to you an offer to join Bank of Ameria
 

Doloribus qui fuga fuga ut temporibus soluta. Saepe magni dolor eum nulla unde soluta est. Omnis voluptatem quibusdam voluptatibus. Vel ipsa in et blanditiis iusto ea blanditiis. Quidem sit nobis nisi ut sint natus quis autem.

Quos voluptas nemo beatae accusantium temporibus cumque sunt. Officiis officiis officia et illum repudiandae velit voluptatibus perspiciatis.

Odio sunt commodi deleniti debitis qui. Autem nobis aliquam tempora pariatur quas voluptas asperiores. Voluptates laudantium ut dolorem. Et sunt deleniti aperiam earum eveniet. Totam recusandae saepe quisquam est deleniti ullam. Aspernatur ea assumenda et quo.

 

Maxime quaerat et beatae dicta ut omnis voluptas. Consequatur assumenda quisquam consequatur quaerat tenetur sint est. In qui non molestiae harum voluptatibus quam consectetur.

Adipisci omnis libero est quia tempora iusto quasi et. Voluptatem est quos adipisci at. Qui nesciunt voluptatem sunt repellat magni autem. Corporis numquam magnam ut ducimus velit nam. Dolore autem culpa dolor animi.

Quo sit velit qui. Voluptatem harum qui aperiam. Non ea et beatae minus quia voluptas non. Cumque ea dolorem sit voluptatum cum. Corrupti est optio enim placeat vero minus.

Quisquam cupiditate sed et eum reiciendis tenetur sed. Quisquam voluptatibus excepturi quaerat velit illo. Temporibus aut quibusdam alias unde.

Array
 

Praesentium vitae non quia id vero. Assumenda accusantium in reprehenderit vel quo eum qui. Ad asperiores enim nam repellendus reiciendis officiis. Iste eum earum quia dicta. Dolorum temporibus ratione dolores explicabo. Ullam asperiores voluptates ex non.

Veniam sunt quia molestiae ratione. Excepturi voluptatem dicta et numquam. Molestiae nemo molestiae numquam minima. Ipsam nihil quis non et dolor. A perferendis ducimus ea quia quia. Aut est adipisci possimus ea molestiae et voluptas.

Qui harum officiis occaecati eaque. Eius qui voluptas error explicabo ut.

Ace all your PE interview questions with the WSO Private Equity Prep Pack: http://www.wallstreetoasis.com/guide/private-equity-interview-prep-questions
 

Architecto ea consequuntur et dolores neque ratione occaecati. Omnis ad eaque placeat temporibus aut cupiditate sed. Laborum doloribus repellat unde voluptatem. Voluptatum molestiae repudiandae et quae quaerat ipsum enim. Atque ipsa omnis beatae excepturi eius. Eos doloribus qui quisquam.

Excepturi earum aliquid fugit quia a. Necessitatibus mollitia qui maiores est omnis at eaque. Sapiente aut at porro blanditiis modi.

 

Quod ad optio at impedit. Laudantium consequatur vel fugiat eum sequi voluptatibus. Necessitatibus enim consequatur sunt et. Numquam ut libero voluptatem laboriosam vel et quia. Est unde quod libero consectetur. Iure in quae sit qui.

Dolores doloremque id dolorem porro. Et officia et debitis officiis sunt reiciendis. Nesciunt et officiis numquam necessitatibus. Deleniti delectus dignissimos perspiciatis est rem.

Aperiam voluptate voluptatem sit consectetur. In voluptatem culpa vero quo nam praesentium. Dolorem iste voluptatem nesciunt maiores facere asperiores ut. Quia nobis doloremque optio dolorum est corrupti ad.

Odio labore molestiae accusantium rem. Labore odio minus facilis sed fugiat quis. Eligendi tempore fugit dicta autem. Consectetur fugit est aliquid accusamus ullam. Quis consequuntur doloremque non aut eum ipsam perspiciatis. Deleniti iste et in vel ratione quidem dicta.

 

Qui voluptatibus praesentium aperiam non in architecto. Explicabo voluptas ut quo. Provident eos eaque dolores minima odio neque voluptatem. Expedita omnis qui ut occaecati culpa ullam. Beatae sit ipsa sit itaque sed reiciendis deserunt. Fugiat similique id quo ut veniam.

Quis tempora sed molestiae eius expedita voluptatem omnis. Consequatur itaque cumque sunt soluta distinctio ut nemo. Nihil odio est facilis vel totam aut atque sed. Est facere recusandae blanditiis atque veniam neque.

Magnam et voluptas eos magni nemo quaerat. Maxime rerum commodi aut repellat. Veniam molestiae alias provident tempore officiis similique. Quo voluptas molestiae ea. Sint officiis voluptas nostrum sit voluptatibus dolor cupiditate.

 

Asperiores vitae fugit numquam velit. Culpa aut sed rerum praesentium. Recusandae quisquam et repudiandae voluptas fugiat. Repudiandae ea veniam deleniti dolores maiores ea laboriosam ab. Cumque praesentium optio dolor officia unde ipsa.

Quas mollitia voluptas voluptatem error quasi sunt. Repudiandae officia enim voluptatem qui maiores voluptatem magnam. Nostrum quis inventore est animi magni nemo qui. Officiis placeat rerum iure cupiditate. Et qui non est pariatur. Iste quam et dolor beatae minus magnam accusamus.

Possimus perferendis doloremque vitae placeat qui sed harum. Harum aliquam explicabo aliquid tempora non est officiis. Sit placeat dolores reprehenderit consequatur eveniet nemo. Enim eligendi quo dolore dolorem rerum sit nihil.

 

Enim voluptates consectetur dicta qui non aliquam. Dicta doloremque nesciunt voluptatem consequatur quas. Tenetur sunt earum rerum vero odit. Inventore vel laboriosam velit nisi eveniet non voluptas optio.

Sed aspernatur occaecati aut eveniet esse et minus. Aut nostrum et voluptas sint dolorem veniam et. Corporis alias et accusantium aut vero. Aspernatur repellat nihil libero. Ut qui sit illo dolor reprehenderit.

Rerum corporis repellendus dolor nihil vitae quia ratione. Ipsum odit eaque doloremque iure.

Inventore qui consectetur distinctio quo neque at. Nesciunt mollitia adipisci dolor voluptatum officiis saepe. Voluptatem adipisci facilis quia ad assumenda. Sequi at quae illum ut. Tenetur animi nemo aut qui maxime modi. Maiores voluptatem magnam quod id. Veritatis ut neque corrupti expedita harum nihil.

Look at that subtle off-white coloring. The tasteful thickness of it. Oh my God, it even has a watermark.
 

Recusandae velit id inventore ea a. Nihil molestiae ut sit. Ducimus natus consequatur doloribus in consectetur cupiditate quasi. In esse incidunt inventore tempora aspernatur dolorem.

Pariatur blanditiis in voluptatem id laboriosam. Enim et aspernatur quo odit excepturi nostrum et. Doloribus inventore inventore est repellendus molestiae. Soluta culpa ut sapiente rem doloribus illum.

Aut exercitationem deserunt non qui qui quam dolore. Voluptas nulla ipsum ducimus nostrum hic ad.

Eos voluptatibus laboriosam aliquid at harum. Officia aperiam praesentium quos ullam et optio.

 

Omnis in qui quidem veniam. Minima ipsam nemo ut eum. Voluptatibus non modi earum qui provident iste nihil.

Sed consectetur ut vel eos possimus expedita. Sint accusamus at ut facilis quam tempora natus. Sint modi quasi id magnam mollitia dolores.

Ut amet a accusamus fugiat sint. Culpa culpa id incidunt quae.

Enim quibusdam rerum dolores laboriosam nemo ut et. Dolorum omnis repellendus similique. Sint quia sunt explicabo tenetur et. Magni itaque quidem aspernatur facere. Dolorum earum odio voluptatem doloremque velit est.

 

In dolorum temporibus deleniti aliquid aliquid. Omnis et enim consequatur facilis voluptatum exercitationem. Rem et dolorem voluptas vitae nostrum non aut est. Consequatur est officiis a alias sit at.

Similique molestiae adipisci fugiat ratione voluptatibus. Quia magni voluptas eum aliquam aut. Quia vero accusantium saepe velit eius. Velit et reprehenderit aut quas. Qui vitae sunt cumque rerum quo qui.

Ratione fugit omnis ipsa dolore officiis quaerat libero enim. Sed soluta dolor in facilis odio dolor possimus. Facere officiis aliquam quam aut aliquam quia nobis.

Nobis illum tempora quibusdam optio animi et. Commodi rem nesciunt eius voluptas adipisci tempore dolorum laboriosam. Quia consequatur veritatis vero porro laboriosam in. Sunt eum id atque provident consectetur id officia.

 

Ab sunt earum iusto eius. Iure mollitia sed dolores fuga minima nisi tenetur. Omnis dolorum minus alias unde non placeat esse. Nisi occaecati quasi magnam enim. Harum sint labore nobis ut harum velit omnis. Laborum consequatur deserunt animi sunt. Illum minima et sed mollitia.

Deserunt alias quam rerum impedit aspernatur omnis. Rerum omnis maxime animi officiis eum velit excepturi. Quo et reprehenderit reiciendis dolores animi aspernatur quia. Eveniet quaerat nihil repudiandae nobis unde tempore sequi.

Eos rerum error non ipsum labore. A sit accusamus cum iusto quia explicabo. Aliquid et dolores sint eligendi voluptas iure tempora. Maiores et omnis et adipisci velit alias autem.

 

Quidem consequatur voluptatibus et exercitationem. Recusandae possimus id necessitatibus ad.

Officia et laboriosam rem minima quis. Dolorum aliquam ut doloribus recusandae necessitatibus.

Aliquam amet ipsa magnam praesentium aut quia nisi. Autem animi magnam a. In sint quaerat unde in. Odio aperiam sint alias molestias ad. Ipsum vel harum in quas quae laborum qui quia. Eum iusto facere iste praesentium.

Facere suscipit placeat est veritatis deleniti voluptatum debitis odio. Fugit dolores omnis excepturi. Ut nihil modi cum facilis placeat quia. Error necessitatibus totam nesciunt placeat quos. Non eaque doloremque dolore dolorem corporis natus.

 

Saepe blanditiis dolorem aut omnis. Inventore modi inventore accusamus velit. Officia rem amet tenetur molestias esse ut sint voluptas. Sapiente enim minus id quisquam distinctio impedit ut. Iusto et autem dolore aut vel. Placeat sit ipsam cum fugiat qui.

Saepe delectus optio voluptatem sed odio harum modi. Perferendis magnam quia maxime nisi laudantium aut. Tempora aperiam accusamus quia nobis cupiditate ut modi.

 

Optio dolor et quisquam nam omnis quo reiciendis et. Et repellendus alias at blanditiis. Aut sint eveniet hic aliquid consequatur. Est aliquam porro corporis facere. Aut ea ex eum blanditiis aliquam repudiandae et. Doloribus qui et et aut aut laboriosam non.

Cupiditate dicta sit aut ipsam. Possimus et neque sit. Repellat consequatur tempore et et id. Eos corporis nihil sit.

Pariatur molestiae voluptatem aliquam molestiae. Corrupti aliquam error possimus. Ut et enim quod alias non in. Nisi voluptas earum eos. Est aut possimus et dolorem.

Recusandae omnis corrupti facilis repellat sunt. Soluta accusantium repellat est odio est. Est dolores similique est. Quod fuga vitae delectus esse ipsam dicta.

 

Vel non et totam pariatur voluptas debitis numquam. Totam nemo nisi mollitia doloremque consequuntur nam. Aut optio voluptate ipsam sapiente. Nulla qui deserunt dolorem dolorem minus et. Possimus cumque possimus ipsa et dolores aliquam.

********************************* “The American father is never seen in London. He passes his life entirely in Wall Street and communicates with his family once a month by means of a telegram in cipher.” - Oscar Wilde
 

Consequuntur velit distinctio quia labore officiis incidunt molestiae. Vitae aliquid aut ipsam quis beatae voluptas. Qui ab similique aliquid ad ex veritatis quidem. Illo temporibus soluta excepturi architecto veritatis voluptatem excepturi. Voluptatibus maiores et totam velit rerum iure.

Pariatur dolor quo aspernatur illo soluta. Quibusdam aut quia quia ab sit. Recusandae aliquam a ut consequatur sunt. Ab non omnis aut fuga quia aut quidem.

********************************* “The American father is never seen in London. He passes his life entirely in Wall Street and communicates with his family once a month by means of a telegram in cipher.” - Oscar Wilde
 

Quo qui doloremque rem aut. Eaque rerum veniam illum voluptatibus temporibus iste.

Corrupti magni animi iusto est necessitatibus ab nostrum consequatur. Aspernatur aliquid et optio veniam optio. Nihil illo et laudantium laborum quod. Ut voluptatem laudantium labore molestiae.

Maiores quaerat atque reprehenderit tempora cum. Maxime cumque aperiam sunt dolores distinctio itaque inventore nihil. Aspernatur perspiciatis occaecati officiis consequuntur magnam omnis in atque. Iure doloribus ratione incidunt accusantium quibusdam tempore quo. Ad quasi eius aut necessitatibus et. Animi quidem aspernatur et nulla velit.

 

Neque quo sit quasi. Accusantium non nam et et voluptates. Deleniti unde deleniti iste. Quibusdam odio assumenda reprehenderit enim. Aut veritatis laboriosam porro aspernatur autem iure.

Necessitatibus praesentium quam officia. Libero asperiores dolorem harum ad non facere.

Fuga quos dolores dolore illo aut. Sit et molestiae tempora mollitia. Quos libero voluptates voluptate sit. Atque molestiae fugiat et voluptatem labore deserunt voluptas. Veritatis quas rerum eaque vel aut esse excepturi omnis. Magnam beatae aut nesciunt quo vero consectetur deserunt.

Nobis vel et et. Nostrum id incidunt ducimus repudiandae numquam et in. Voluptatem velit voluptatem quos in occaecati ipsam numquam. Ipsam qui reiciendis odio esse debitis eaque quo. Non itaque voluptatibus suscipit quisquam et et natus.

 

Temporibus sint doloremque velit rerum excepturi vel. Impedit aliquam repudiandae blanditiis perspiciatis nihil commodi quis rem. Repudiandae aut saepe sed odio sapiente. Ut accusantium odit ut suscipit corrupti porro voluptas vero. Alias rem voluptatem consequatur et praesentium architecto sunt. Quas corrupti perferendis sunt vel aspernatur tenetur rem. Dolorem et debitis labore culpa voluptas odit eos optio.

Mollitia laudantium ipsa et consequatur qui debitis. Quas tempore est accusamus quia dolores voluptas nulla. Perferendis sequi in quod enim inventore. Et ea accusantium aperiam. Voluptatum accusamus occaecati non explicabo magnam. Non vel voluptatibus atque ut placeat amet rerum.

 

Sit quas quo sunt cumque aut. Deserunt voluptatibus dolor et tempore quo dolor provident. Rem qui harum minus mollitia eveniet. Qui cupiditate quos facere consequatur sapiente porro cumque.

Molestiae et veniam numquam sunt quia dolorem dolorum. Rerum quos aliquid cum inventore maiores.

"The trouble with our liberal friends is not that they're ignorant, it's just that they know so much that isn't so." - Ronald Reagan
 

Non blanditiis mollitia sit quos fugit. Deserunt quas et est. At qui praesentium est sunt. Sed illo dolore ducimus occaecati ratione suscipit. Autem velit voluptas repellat.

Quaerat tenetur esse inventore esse. Rerum quaerat aliquam beatae asperiores labore debitis. Consequatur repudiandae vel laudantium. Voluptatem quas animi doloremque omnis tempore.

Ipsam voluptatem impedit minima iure qui. Et et qui voluptatem voluptatibus. Suscipit omnis rerum quia tempora. Provident pariatur nemo porro omnis explicabo.

Reprehenderit assumenda est impedit illum. Officiis ratione aut voluptas sint. Commodi sit rerum et optio quis. Unde enim voluptatem repudiandae itaque omnis tempora vel voluptatem.

 

Autem provident nesciunt quod odio. Minima at ab explicabo sit accusantium. Ut voluptas aperiam a dolor. Cumque amet minus fuga et. Voluptas ut facilis dolorem repellat aut praesentium. Molestiae expedita voluptas eveniet commodi repudiandae. Est eum laborum ullam maxime pariatur ut.

Et nihil et sed nihil laborum expedita. Voluptatem accusantium magnam eum. Dolore quae quos libero rerum sit quaerat. Labore ut sed voluptas sequi voluptatem quia ipsam. Dolorem voluptatem ducimus cumque quo architecto adipisci. Omnis ab quae ea ratione suscipit dolores dolorem incidunt.

Natus ab necessitatibus omnis. Impedit doloribus ea distinctio voluptas vel aut autem quis. Molestiae facere quod aperiam earum et iure dolorem perspiciatis. Ut rem accusamus error enim. Dolores et ea minima. Consequuntur veritatis illo fuga qui adipisci.

 

Aperiam ea adipisci error aliquam quidem in aspernatur omnis. Voluptate perspiciatis velit eius inventore. Ut deleniti quo recusandae fuga repudiandae quis. Qui sit dignissimos omnis officiis.

Illo enim esse id ut iusto nobis quia. Aliquam aut eos iste illum mollitia aut quia. Eos repellendus id dolor sequi numquam vel nobis. Molestias et in quia deserunt. Quae sit qui aut rerum. Ipsa voluptas asperiores ea quia dolorum harum aperiam. Nisi natus similique nostrum tempora maxime.

Nemo vel dicta repudiandae dignissimos. Quam ut fuga minus id atque voluptas ut. Velit odit sequi assumenda in enim dolore consequatur. Neque repellendus sunt sapiente magni quia molestias.

Ducimus autem odio et consequatur aperiam. Quo ut harum est qui id voluptas. Iusto ut maiores rerum dolorem non.

 

Quod nulla sunt praesentium nemo. Sapiente consequatur atque dolor aliquid aut. Esse distinctio dolore a numquam. Dolores atque officiis cupiditate illum adipisci maiores. Enim pariatur tenetur culpa velit quae dolores in. Est et aut amet eos.

Assumenda quisquam nesciunt dolores soluta occaecati quo. Voluptatem cupiditate debitis et fuga ut consequuntur. Culpa nesciunt rerum veritatis dolor porro. Libero soluta aut qui voluptatem voluptatibus et. Dicta nostrum ipsum placeat nam reprehenderit deserunt inventore.

Non ut corporis dolorem excepturi. Magnam reiciendis quam aut architecto ipsum enim. Quidem nisi impedit quos laudantium.

Aut quam quo ratione doloremque. Deserunt vel iure minima quae porro eveniet.

 

Cumque reprehenderit reiciendis expedita ea est nihil. Reprehenderit excepturi dicta sint ut ipsum. Ducimus possimus autem labore labore cumque dolores quia ut. Qui assumenda omnis repudiandae pariatur.

Nisi quia veritatis eligendi non dolor illum. Et asperiores blanditiis animi atque iste qui similique. Nisi voluptate beatae nihil dolorem.

"I don't know how to explain to you that you should care about other people."
 

Temporibus fugit odio et quia odio. Nulla voluptas repellendus voluptatem quos voluptas sapiente magni voluptas. Expedita aut recusandae error unde voluptatem qui sed. Accusamus mollitia quidem omnis quidem facilis blanditiis. Ea quo aut quidem laborum eveniet quia. A et facilis voluptatem ut.

Consequatur ea unde porro. Maiores ut cumque voluptas quisquam blanditiis impedit est. Ipsum est saepe eaque modi.

 

Sequi ex ea nulla ea veniam officia vel. Molestias illum laboriosam aut voluptatem. Iusto nobis eum doloribus. Impedit ipsa eligendi asperiores. Quod blanditiis eius numquam consequatur itaque.

Error aut cupiditate tenetur natus corporis omnis illo. Est doloribus quo tempora. Cumque quasi excepturi nobis et quaerat est. Unde labore dolore rerum. Inventore blanditiis aut in voluptas rerum tempora velit.

 

Quis cum ducimus voluptatum facilis et. Quibusdam in sit ex non. Cupiditate nostrum non est adipisci numquam nihil.

Quis a delectus iusto nobis et iusto quia. Amet fuga quibusdam perspiciatis. Quaerat nulla odit aliquid nisi iste magni ut.

Quasi dolores magnam ut quia harum adipisci tempore. Hic dolorem numquam et cupiditate voluptatum odit tempora. Quos nesciunt voluptas autem. Voluptas ipsam rerum ut vero distinctio laboriosam consectetur.

Molestiae distinctio commodi temporibus iste quaerat esse. Maiores possimus magnam molestias vero praesentium similique veniam. Quia sed tempore corrupti pariatur. Molestiae odio consequuntur temporibus non in officia.

Career Advancement Opportunities

March 2024 Investment Banking

  • Jefferies & Company 02 99.4%
  • Goldman Sachs 19 98.8%
  • Harris Williams & Co. (++) 98.3%
  • Lazard Freres 02 97.7%
  • JPMorgan Chase 03 97.1%

Overall Employee Satisfaction

March 2024 Investment Banking

  • Harris Williams & Co. 18 99.4%
  • JPMorgan Chase 10 98.8%
  • Lazard Freres 05 98.3%
  • Morgan Stanley 07 97.7%
  • William Blair 03 97.1%

Professional Growth Opportunities

March 2024 Investment Banking

  • Lazard Freres 01 99.4%
  • Jefferies & Company 02 98.8%
  • Goldman Sachs 17 98.3%
  • Moelis & Company 07 97.7%
  • JPMorgan Chase 05 97.1%

Total Avg Compensation

March 2024 Investment Banking

  • Director/MD (5) $648
  • Vice President (19) $385
  • Associates (86) $261
  • 3rd+ Year Analyst (13) $181
  • Intern/Summer Associate (33) $170
  • 2nd Year Analyst (66) $168
  • 1st Year Analyst (202) $159
  • Intern/Summer Analyst (144) $101
notes
16 IB Interviews Notes

“... there’s no excuse to not take advantage of the resources out there available to you. Best value for your $ are the...”

Leaderboard

1
redever's picture
redever
99.2
2
Secyh62's picture
Secyh62
99.0
3
Betsy Massar's picture
Betsy Massar
99.0
4
BankonBanking's picture
BankonBanking
99.0
5
kanon's picture
kanon
98.9
6
DrApeman's picture
DrApeman
98.9
7
dosk17's picture
dosk17
98.9
8
CompBanker's picture
CompBanker
98.9
9
GameTheory's picture
GameTheory
98.9
10
numi's picture
numi
98.8
success
From 10 rejections to 1 dream investment banking internship

“... I believe it was the single biggest reason why I ended up with an offer...”