BofA/Barclays IB vs McKinsey/Bain Consulting

Received full time offers from both places. While consulting may give me broader exits, the IB pay is also tough to turn down (100k base + 100k bonus for analyst 1, and associate with 2 years of experience regularly clearing 350k+). The consulting offer pays around 120k all-in first year. Does the increased optionality in consulting warrant such pay cut? Any thoughts on this?

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