Feeling behind in my undergrad

Hello everyone, I just finished my sophmore year and have no internship experience and none lined up. I am transfering to UCLA later this fall as a junior, but I am really concerned about my career prospects and feel really behind given my field.

In community college, I started with a goal of computer science. I then switched to business economics path. I am going to UCLA for economics.

For now, my goal is to get my foot into the door of IB, but ultimately the end goal is some sort of PE or asset management. To be honest, I really am not sure what I wil enjoy the most given my newfound interest in this field, and its quite suprising to see the process start so early given it took me a while to understand what I wanted to do professionally(I would think other students feel the same).

I just recently started looking into what it is I have to do, but I am afraid it's too late to successfully land a solid internship at a firm for Summer of 2026. I know how important it is to have a junior year internship, but so far I don't. I barely have a network, and am really struggling to understand how to move forward. As someone who is transferring, I understand that I must utilize that network, but overall it feels like I am a late to the party. I didn't realize these internship oppurtunites open upon so early in advance, and when I do research it puts a strong emphasis on building networks in the first two years of undergrad and applying for positions earlier, which I did not do. Im pretty stressed over this whole thing.

As far as now, my plan is to go straight to a masters program out of undergrad for finance or financial engineering, however, I am still concerned and would like to have some experience under my belt, as it seems almost every single one of my peers does.

Any help would be appreciated and thank you all. Also, any recommendations as to what to do over this summer would be nice. For now I’m maybe thinking of excel certifications and maybe some courses in financial modeling but I’m not sure.