Start FT Early or Take Some Time Off?

Hi All

I don't want to sound pretentious here or seem as though I'm getting ahead of myself, but I'm looking for some advice with regards to my near future so I can have a rough idea of what I am going to do.

I'm a Junior and an incoming IB summer analyst at a BB in SF, and although I understand that my FT offer is not a given by any means, I am going to work on the assumption that I will hopefully obtain one. I am planning on graduating early in the following December to save some tuition money and am having trouble deciding if I should start my FT early in January (an associate I've been talking to has mentioned this possibility) or if I should take some time off and pursue other interests (travel, volunteering, etc.) until the normal FT start date. Any input would be much appreciated! Thanks!

7 Comments
 

travel, start on-cycle. I took a 2 week international vacation before I started FT and my only regret is not going for a longer amount of time!!! i had 2 months of free time between graduation and FT start and I only took a 2 week vacation. Definitely enjoy your time.

 

Travel for sure, you'll never have that much time off again. Even better think of something cool and productive at the same time. Like travel and try to learn a language at the same time. You could also sprinkle stuff in there like studying for the GMAT, CFA, etc , but in the end I'd probably just vacation and hang out. Maybe try and visit some old friends.

 

I just spent four months traveling/studying a language... way better than starting early. I asked many people about this in person from analysts to MD/partner level people - only one told me to start early. Otherwise, everyone suggested not starting early.

 

Have you studied abroad? If you have then you know how great it is to live in a new place for a period of time. Go somewhere different this time.

If you haven't, living in a new place will be one of the best and most valuable experiences of your life. I suggest Europe just because you can see so many different countries and cultures so easily.

 

At modi ea aut. Repudiandae quaerat et aliquam quo sit.

Qui assumenda optio alias. A aliquam ea cupiditate nulla fugit officiis consequatur et. Quasi qui dicta error dignissimos suscipit qui voluptatem omnis.

Career Advancement Opportunities

October 2026 Investment Banking

  • Evercore 01 99.5%
  • Moelis & Company 01 98.9%
  • JPMorgan 01 98.4%
  • Morgan Stanley 07 97.9%
  • Guggenheim Partners 01 97.4%

Overall Employee Satisfaction

October 2026 Investment Banking

  • Moelis & Company No 99.5%
  • Morgan Stanley 02 98.9%
  • Evercore 01 98.4%
  • Banco Santander 02 97.9%
  • BMO Capital Markets 12 97.4%

Professional Growth Opportunities

October 2026 Investment Banking

  • Evercore 01 99.5%
  • Moelis & Company 01 98.9%
  • Morgan Stanley 05 98.4%
  • Goldman Sachs 01 97.9%
  • JPMorgan No 97.4%

Total Avg Compensation

October 2026 Investment Banking

  • Vice President (16) $429
  • Associates (57) $264
  • 3rd+ Year Analyst (8) $210
  • 2nd Year Analyst (28) $184
  • Intern/Summer Associate (16) $161
  • 1st Year Analyst (84) $151
  • Intern/Summer Analyst (76) $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

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...”