Trending Content - Investment Banking Forum
Career Resources
WSO Free Modeling Series - Now Open Through
July 31, 2026
9 Free Financial Modeling Lessons
Get instant access to lessons taught by experienced private equity pros and bulge bracket investment bankers including financial statement modeling, DCF, M&A, LBO, Comps and Excel Modeling.
+Bonus: Get 27 financial modeling templates in swipe file
+Bonus: Get 27 financial modeling templates in swipe file
High Finance Applications
Guaranteed
Get at least one offer GUARANTEED
- 1:1 support
- 92% success rate
- 2,000+ mentor network
- Unlimited Live bootcamps
- AI for resume + LinkedIn
- Networking automation tools
- HireVue simulation tool
- Full course library
- Private Slack community
- 20hrs of mocks
- + much more...
Bump
Bump
Bump
Insurance: you should know how much coverage you need. You're also likely still on your parents' insurance for a few more years as an analyst (thanks, Obama). That said, if you have any known health issues and frequently need medication (or are planning on having kids within the next year), get the best plan your company offers. If you're in excellent health, opt for the HSA and contribute the max.
Retirement plan: max out your 401(k), or at least contribute enough to get the full company match; it truly is "free" money. Put most of it in a Vanguard target-date fund or equivalent depending on what options your company provides and a small chunk in something higher risk like a growth fund. Simple set and forget.
Why would you opt in for HSA?
Why would you opt in for HSA?
how do you know which offers better dental and health insurance?
the plan details should be available to you
monthly premium (your fixed cost)
doctor copays
cost to got the ER
Surgery copay / coinsurance
lab/testing coverage
prescription drug coverage (copay / % co-insurance)
non-standard coverage (chiropractor / accupuncture, ect..)
mental health coverage (in-patient vs outpatient coverage maximum days per year /lifetime)
so, you take the plans available to you (and your coverage from your parents plan), and do a compare/contrast to see which plan fits your expected needs best.
You know yourself...how much risk you take (are you an adrenaline junkie who breaks a lot of bones and goes to the ER a lot)
Typically, at the financial firms, you should just select the most inclusive plan...its such a small % of your take home pay.
My suggestion would be to take everything they offer.
Not sure how it is at your bank, but I have good health insurance, dental, vision, disability insurance (60% of salary), 1x life insurance (1x time salary) + supplemental life insurance ($700k) and a couple more things... and I pay about $160 a month pre-tax? Around there.
Don't even notice it and have the peace of mind of knowing I have coverage for many things.
Ut quis eligendi rerum soluta. Architecto libero itaque minima optio unde. Cupiditate sit rerum enim quibusdam officiis perspiciatis.
Tempora nisi excepturi aut quia. Rerum doloribus delectus impedit aut. Aut atque dolor voluptates ipsam repellendus ut.
Unde dignissimos repellendus sit. Molestiae natus incidunt id aut repellat.
See All Comments - 100% Free
WSO depends on everyone being able to pitch in when they know something. Unlock with your email and get bonus: 6 financial modeling lessons free ($199 value)
or Unlock with your social account...