What makes you happy outside of work? Have it all but stuck in a void.

I feel like I’m stuck in a cycle of work all week, party through the weekend with girls, repeat. Mostly just feel empty doing this and just wait til the weekend to have some semblance of “fun.”

I thought this would be the key to enjoying my 20s in college and did the whole work hard play hard of 4 days studying/3 days partying to eventually graduate w/ a triple major, do IB for two months, then become the youngest associate at a UMM fund at 22.

Hell, I even made $1M my junior year of college and blew $900k of it and felt nothing. I can’t talk to random people at the bar about anything because I have no hobbies/time outside of powerlifting (another area where I thought becoming muscular/lean would make me happy, but nothing again) and if I talk about work people either try to get me to get them a job, don’t care, don’t know what private equity is, or think I’m contributing to the downfall of society.

This whole post feels like a humble brag, but I guess it’s also a warning that prestige whoring won’t fill a whatever void you have.

What do all you other finance people do outside of work to make your life enjoyable?

 
Most Helpful

Religion and my community at church. Whether or not you actually believe in God, it’s hard to deny the mental and emotional benefit you receive from getting together in a wholesome way with a bunch of kind, positive people for a couple hours every week to talk about a higher purpose and how to serve others. Learning how to and actually serving other people has been the main contributor to my happiness while working in finance. The less I can focus on myself and the more on others, generally the happier I am. This might not be the answer for everyone (I could see how those strongly opposed to organized religion/the existence of God would not agree with me, and that’s fair), but it has made all the difference for me.

 

You aren’t alone. I have dealt with this for the past couple years. Recently played some adult league sports and as vain as it sounds, the validation everyone gave me from dominating was some of the best feelings I’ve had in a long time.

Knocked down a few threes and I got the ball again. 2 dudes yelled out “shooter” and I’m still riding that high 2 weeks later.

I grew up competing at the highest levels. Traveling across the country, featured on television, everything. I was on track to be a professional athlete, and injuries and just the way the cookie crumbles did away with that. Now I work 70 hours a week from a desk while people I grew up with make millions on your TV screen, all whole traveling the country.

I got in great shape. Could fuck basically anyone I wanted. Bought a nice car. None of this felt as good as the past month of dominating adult basketball and beer league softball.

I love to win. One could argue going out and pulling the girl is winning, but I don’t really see it that way. Now, going 7/8 from 3 after not playing basketball for years and winning?

Fucking amazing feeling brother. Yeah I’m not on ESPN like the guys I grew up with, but that’s life. It’s still tough for me to accept it. Hell I even broke out my old training files from when I was recovering from my last major surgery to see what a training protocol would look like now for a comeback.

Gonna start mixing in sports training with my regular training (I’m fat as shit right now). 7am gym sessions of 500 3-pointers. Suicides while dribbling with my left. Fuck it let’s do some ladder work as well.

I have some injuries that I’ve used as an excuse to purely lift and not play sports since college. Sure, my left knee doesn’t bend all the way, but the emotional well-being I have gained the past couple months from competing (and winning) against my fellow man has done wonders for me.

I hope you can find something that brings you such joy. I did the whole “go on walks, get in shape, read books” thing for 5 years. But I did the whole “compete at the highest level” in sports for 20. It just felt so natural competing again, even if it was against suburban white dudes trying to run a 2-3 zone defense

 

Arroz con Pollo

Now, going 7/8 from 3 after not playing basketball for years and winning?

I have more respect for you, from this alone, than I have for my Managing Partner. Sure he makes a few Ms a year, but has he ever laced up and went 7/8 from 3 after not playing ball for years? No, not one single time. Jamie Dimon & DJ-Sol could never. 

 

I conveniently left out the part where I went for a layup on a fast break and it somehow turned into a 2 handed hop step off the backboard lol.

I guess you never forget how to shoot, but the rest of the game can get away from you

 

Intern in ERSBD?S: 385 lbsB: 305 lbsD: haven't done deads since high school but did 405 for 8ish reps back then

 

What your post says: stats mostly. Stuff like amount of money earned, associate by 22. 

What your post doesn't say: deep relationships. I'm not talking necessarily about finding a life partner, but even deeper relationships with friends or family really. 

I'm at a different stage in my life and I have done it very differently than you (been with one person my entire life, just had our 19 year anniversary and I'm mid-early 30s; I don't drink or do drugs because I don't like how they make me feel), but from my POV, the times I've been happiest have been experiences with a small group of people. Examples: travel to Japan with spouse, our anniversary lunch at a 3 Michelin starred restaurant, hanging out in the park with our son, travel to BVI with a group of 6 good friends, long dinner at a Peruvian restaurant in Boston with 3 amazing friends, a holiday office party where me and my gay bff goofed off like idiots.  

This is one person's opinion, but I'd examine whether there are certain areas of your life where you can increase the depth of relationships or connections, vs. chasing specific stats. Maybe that helps? Don't know, but good luck though! 

 

deep relationships.

Hot Take: This alone is the largest value driver of happiness for most people. So many people make drastic changes in life to shake it up when they're in a rut, without realizing they're really just experiencing loneliness and everything else is actually great. You just need a GF that you really like and all of the sudden being "stuck in a void" feels more like "having stability" and "partying all weekend aimlessly" turns into actual quality time with someone you love.  

 

Investment Analyst in HF - EquityHedgeHow'd you make $1mm in college?Very risky/unrecommended options trading starting w/ about 10k I made from working over the summer before

 

What's a good way to connect with other people of similar faith in NYC that share a finance background? I understand the normal methods (church shopping, joining groups, FB, etc.) but it would be nice to find some people who can relate a bit more personally to the ups/downs of these jobs.

 

Honestly, becoming a parent is probably the best way to help re-sync your life. I generally recommend parenthood for anyone who is somewhat financially independent, and has a somewhat compatible partner. It will bring a joy to your life that you have never experienced. You will have a completely different purpose in life, which will reinforce the drive you have more making more money, but also realizing that your career is not your self-worth and purpose. Your child/children will be the most important thing to you.

It seems like you really like powerlifting. I used to lift a lot when I played sports (lax and football in HS, lax in college and men's lax league after school). But, I haven't lifted in years and am trying to get back into it. No matter what, protect and hold sacred your powerlifting regimen. It seems like you really like it. Whether it's 2/3/4 or more times a week (3 is probably the most reasonable), you must protect it at all costs. Never let anything get in the way of it, even it just means 30-mins of dumbbells when you are staying at some crap hotel on a business trip. You say you thought it would make you happy, but "nothing again". Honestly, you would be way less happy if you weren't already powerlifting. You would have way less endorphins in your system right now. You would be way more miserable. You are not giving your powerlifting hobby enough credit.

Make sure you set boundaries in your life. I'm finding out the hard way from not setting boundaries and overly dedicating myself to work. I'm finally learning now that I must have boundaries. If you give "all it takes", but don't set boundaries, you will never know where to draw the line between "maximum effort" and "sacrificing too much". Parameters and boundaries are important to maintaining some degree of health and sanity. It's very possible to go overboard, and that leads to bad health and a miserable life.

The fact that you are reflecting on this though is a good sign. It means you are loving yourself, and you want to improve your quality of life. I'm happy for you. You will get there.

 

There is something inherently broken and toxic in the industry that will always prevent employees of having a sustainable hobby—besides work and family.

Starting from the basic proposition that the 50h/wk, well paid and partner track job doesn’t exit—and even if it does it would not have enough spots for all of us—we all ultimately get sucked in and stuck into the only lifestyle that is long term compatible with the industry, which is full commitment to work.

It might not seem like it at first given the ebbs and flows of activity but look at your partners: how many of them have had to sacrifice all others aspects of their life to get where they are? Social life, sports, romantic life, cultural life etc. It’s a slow but sure process.

Consider a partner who one morning decides to spend his day slightly differently, applying its energy and will to another field of life: he is bound to face a wall as all these others aspects have been sacrificed long time who. “Men are not like crabs, what has been amputated does not grow back naturally” as someone once said.

What I mean by that is progression in the PE industry is a zero sum game with other aspects of life and it is too late at 40 years old to reconnect with friends, resume sports when your joints have been inactive for so long or even read a book without the pervasive thought of checking emails starting to itch.

I don’t necessarily mean to be cynical but empirically looking at seniors around me I don’t think the sustainment of a serious hobby is a possibility.

 

I get what you mean by a serious hobby that takes a lot of time being impossible but I'll say that I think so many of my seniors are very interested in things like watches or cars since they 1. provide a solid opportunity to flex and 2. can mostly involve talking about the thing of interest with colleagues or clients at work so there's pretty little necessary time commitment.

Sure, you can take trips to Switzerland or spend all weekend going to car meets but this isn't necessary to keep the hobby/interest alive and I'm pretty sure people just wait to do these when they retire.

 

progress, especially in philosophy, wellness, and relationships

philosophy - you can't change the entire world and you must adhere to the status quo and its limitations, but your mind has no boundaries, there's always place to change something or learn something. Each day it passes, whenever I read anything that challenges my views, I see that as progress and I take pride in knowing that today I became wiser than yesterday. That may be even a good antidote for your case, because if you think about it, there's a neutral world out there and some people are happy with their life meanwhile you're not, so it's a matter of perspectives.

wellness - health is wealth; I find joy knowing that I'm not only preventing many illnesses, but I also help my body maximize some of its capacities (strength, concentration, organ functions through proper diet, etc.). I mean, considering how heavy your workload may be, being able to do something good for your health (gym, cardio, diet) is an accomplishment in his own way

relationships - self-explanatory; you laugh, share with them experiences to remember when you're old, you receive and offer support, you help them understand themselves better and they also shape your personality for the good, etc. 

pretty simple I'd say, unfortunately many have some inflated expectations about what life should be and can't find happiness in the mundane

party through the weekend with girls, repeat. Mostly just feel empty doing this and just wait til the weekend to have some semblance of "fun."

"When a man can't find a deep sense of meaning, they distract themselves with pleasure" - Viktor Frankl

 

You say spending 900k made you feel nothing. But imagine what joy GIVING 900k would bring. There are people that are literally blind because they cannot afford a relatively cheap surgery. Giving is hard but I aspire to do so. This vid helped about some finance bros who went to HBS and tell their story: 

 

How come not a single of these posts ever says, "Well, I tried exploring the major religions and philsophies of the world and that didn't help either?"

If people have been doing someting to fill the void for thousands of years, you know there might be something to it.

I kind of find it amazing that this website is dedicated to young people getting advice from older peers on how to navigate their careers, but when it comes to questions of happiness or meaning, the current generation thinks that they've got that all figured out by themselves and don't need to seek any wisdom from those that came before them. Kind of funny - because it's a much more difficult question than whether you should choose BAML or Citi.

 

Is your first statement saying that you are suprised that (i) no one has suggested religion/spirituatily as a potential solution to OP's situation, or (ii) no one has mentioned why religion/spirituatliy has failed for them?

If it's the former, then you must not have read this thread. Two people above have mentioned going back to God.

If it's the latter, why would a person who has tried religion/spirituality, and failed at improving on filling that void, post a comment on a public forum to tell OP NOT to try religion/spirituality. Do you really expect people to write something like "I tried to find God, and went to church for 3 months, didn't work for me. So, definitely don't go down that route. Remain an atheist, and it's pointless to go down that path."

You say that "the current generation thinks that they've got that all figured out by themselves and don't need to seek any wisdom from those that came before them." I mean isn't this exactly what OP is doing? He is seeking advice? He is acknowledging that he hasn't got it figured out, and that there is a massive void. And, most of the comments here have been genuine feedback and suggestions from various members of the community.

I am curious about your comment, because I don't understand what you are trying to say.

Edit:

Lastly, whilst I am sick and tired of the "whether you should choose BAML or Citi" threads too, like completely. Or, comp comparisons across shops. At the end of the day, this community is called "Wall Street Oasis", so even if those repetitive (and, in my opinion, quite pointless) questions come up frequently, I think it's entirely reasonable that young people ask finance/career questions on a finance forum. Don't you think it would be weird if the majority of the questions asked on a finance site were about existentialism, theology, spirituality, differences between religions, etc.? Comparing shops or career paths, instead of churches or synagogues, on a finance forum seems quite reasonable to me. 

I also don't think that most young kids on this website are claiming or suggesting that they have happiness or the meaning of life figured out. I'd argue that even many older peers on this site don't necessarily have those things figured out either. I am of the view that happiness and meaning of life need to be "found" or "discovered" through the trial and error of living life itself, which will undoubtedly include a lot of mistakes. An older peer's "wisdom" could really be no more than a mere "opinion" to someone else. Everyone derives happiness and meaning from life differently. I disagree with the notion that an anonymous older peer's "wisdom" on life will magically lead to finding the meaning of life and happiness for the young kids of the "current generation" that you refer to.

 

blackshoes

Is your first statement saying that you are suprised that (i) no one has suggested religion/spirituatily as a potential solution to OP's situation, or (ii) no one has mentioned why religion/spirituatliy has failed for them?

If it's the former, then you must not have read this thread. Two people above have mentioned going back to God.

If it's the latter, why would a person who has tried religion/spirituality, and failed at improving on filling that void, post a comment on a public forum to tell OP NOT to try religion/spirituality. Do you really expect people to write something like "I tried to find God, and went to church for 3 months, didn't work for me. So, definitely don't go down that route. Remain an atheist, and it's pointless to go down that path."

Neither of your two options above. By "posts", I mean posts like the ones made by OP which show up on here every week or two. They often talk about how success or partying has not led them to a sense of deeper happiness or fulfillment. Despite dozens of posts like this, not one to my knowledge has mentioned giving religion a try and failing to find meaning there as well.

You say that "the current generation thinks that they've got that all figured out by themselves and don't need to seek any wisdom from those that came before them." I mean isn't this exactly what OP is doing? He is seeking advice? He is acknowledging that he hasn't got it figured out, and that there is a massive void. And, most of the comments here have been genuine feedback and suggestions from various members of the community.

I am curious about your comment, because I don't understand what you are trying to say.

I guess in some sense you are correct, but I think back to my own search for meaning as a young person. My first stop wasn't a secular finance advice forum. Very weird place to start your search for meaining. If you are looking for meaning, there is a pretty well trodden path out there. 

Edit:

Lastly, whilst I am sick and tired of the "whether you should choose BAML or Citi" threads too, like completely. Or, comp comparisons across shops. At the end of the day, this community is called "Wall Street Oasis", so even if those repetitive (and, in my opinion, quite pointless) questions come up frequently, I think it's entirely reasonable that young people ask finance/career questions on a finance forum. Don't you think it would be weird if the majority of the questions asked on a finance site were about existentialism, theology, spirituality, differences between religions, etc.? Comparing shops or career paths, instead of churches or synagogues, on a finance forum seems quite reasonable to me. 

Yes, this is a finance site. Despite that, posts like OPs searching for meaning constantly pop up on here.

I am of the view that happiness and meaning of life need to be "found" or "discovered" through the trial and error of living life itself, which will undoubtedly include a lot of mistakes. An older peer's "wisdom" could really be no more than a mere "opinion" to someone else. Everyone derives happiness and meaning from life differently. I disagree with the notion that an anonymous older peer's "wisdom" on life will magically lead to finding the meaning of life and happiness for the young kids of the "current generation" that you refer to.

THIS is exactly what I was talking about. Thank you for illustrating it so well. Why not try get into IB by trial and error? Or figuring out the right college to attend by trial and error? Or which bank to choose by trial and error?

Isn't a better method to seek advice of others who have done this before rather than messing up over and over again? Also, I'm not talking about just the wisdom of older folks. I'm talking about the wisdom of nearly everyone who has lived in the past several thousand years before you. Maybe, if you pay attention, you can actually learn something without trial and error, just like you can regarding finance career advice.

 

I’m atheist and just wanted to chime in and say that religion is absolutely not necessary to fill this void. If that’s what works for you, great! But if not, I would recommend some/all of the following:

1) Find a problem that you genuinely care about solving. Ideally your career would fit into this category, but even if not, look for something you see that is wrong with this world that you can fix. Maybe it’s a disease you can fund curing, an inequality, homeless in your neighborhood or maybe even it’s a gadget that will make cooking easier. Whatever problem big or small, will be an intellectual challenge with a meaningful payoff

2) Invest in people to love and share your life with. How is your relationship with your family & friends? Could you benefit from investing more into that and building new relationships?

3) Do a cleanse of drinking and drugs (2+ months). Find things make you happy outside of chemicals

4) Be purposeful about how you live your life. You’re unhappy after this weekend - write down why. You are happy - write down why. Look for trends in your behavior

 

I'm atheist and just wanted to chime in and say that religion is absolutely not necessary to fill this void. If that's what works for you, great! But if not, I would recommend some/all of the following:

1) Find a problem that you genuinely care about solving. Ideally your career would fit into this category, but even if not, look for something you see that is wrong with this world that you can fix. Maybe it's a disease you can fund curing, an inequality, homeless in your neighborhood or maybe even it's a gadget that will make cooking easier. Whatever problem big or small, will be an intellectual challenge with a meaningful payoff.

Speaking from OPs post. He tried career and went head first into it. Didn't make him happy.

2) Invest in people to love and share your life with. How is your relationship with your family & friends? Could you benefit from investing more into that and building new relationships?

Sounds like he does have friends that he goes out with. Didn't fill the void.

3) Do a cleanse of drinking and drugs (2+ months). Find things make you happy outside of chemicals

Not a bad idea but sounds like his only hobby is powerlifting. So, I'm assuming that he's pretty healthy. Hasn't filled the void.

4) Be purposeful about how you live your life. You're unhappy after this weekend - write down why. You are happy - write down why. Look for trends in your behavior

I think that's what he is trying to do with this post.

Not saying that all of your suggestions are bad, but that's the thing with voids like this. It's bigger than career, friends, and health.  I think your suggestions are good ways to feel better and stay busy which can help you ignore the void for a while but I don't think it actually fills it.

 

I think this is a bit of a defeast approach that misses the point of my suggestions to OP.

  1. Having a job and working really hard is NOT the same as working towards solving a problem you’re passionate about. For example, I work in healthcare investing and before that I worked in healthcare banking. My day to day work is similar enough, but I get so much more fulfillment from my current role because I believe in what I do. It seemed to me that OP doesn’t find meaning in his job, so he should look for what he does care about improving in the world and he will find meaning by working to achieve that. Maybe that means he changes jobs, but there’s a lot of ways to do this at his current job too
  1. Having friends to go out with on the weekend and having deep meaningful relationships in life is not the same. You can hang out with someone for years and not have a meaningful relationship with them. Same for family and romantic relationships.
  1. Being healthy and sobriety are also not the same. The point of sobriety is to isolate your natural happiness from synthetic happiness from drinking/drugs. Consistent drinking and drug use can create a situation where you don’t know what makes you happy because every weekend you get a high that other stuff may not be able to compete with
  1. Writing down what makes OP happy will help as he tries to work through this process of self reflection. Try new things, take note of what works. We can only offer suggestions, but OP should give himself the tools to work through this independently too because at the end of the day, he knows himself better than we can

I think with a lot of problems like this, where it’s nebulous and you can’t really pinpoint the root of it - it’s easy to not tackle it and brush off advice because it’s so intimidating. But I think by breaking it down piece by piece and putting in the time and effort to really get to know yourself, you can make progress through tangible steps. Not saying these four things are the end all be all or anything, but I think the idea that smaller steps can’t work because this is a too big of a problem is misguided

 

1. Girlfriend (soon to be fiance)

2. Family

3. Close friends (none of them work in IB/PE, which is kinda nice)

Quality time with all of the above. Boardgames work best, but different for everyone.

4. As others have suggested, church. I've started attending a progressive Episcopalian church in my city with my gf.

5. Volunteering for causes I care for.

​​​

 

My girlfriend of 4+ years, having great friends in NYC– both via work and college (attended college in NYC), the ability to do things I love with the job I have (skiing, golf, etc), trying out different cuisines, and just enjoying the ride as I go through life. If I looked back 5 years ago, everything has really worked out, even though things went differently from how I initially planned for them to go. I feel an integral part of finding happiness in life is to not take yourself so seriously. Just enjoy the ride, work hard, and good things will generally go your way. Almost any good thing that happened to me was through me making the most of my situation rather than sweating for a specific outcome 

 

Honestly I felt like so many people in this thread for most of my life and really I was just lonely. Once I found a great GF (fiancé now) I came to appreciate the stability of my routine and every minute of free time we get together. 

It helps you answer the dreaded "what's the point" question people start asking themselves in a rut. The point is I work my ass off so when I go home to the shorty that I love we can live an awesome life. And even if my day sucks I'll be back in bed smelling her lovely perfume and hugging under the covers by night time. 

No homo tho on the cuddling / being in love parts. 

 

A lot of specific advice on here, which is great, but to try to approach it from a more macro perspective, here are questions I found helpful to ask, then my responses to them:

  1. What drives you?
    1. For me, was partly money, but not 100% comp
    2. I cared more about having a job that I could max out my tax-advantaged vehicles, afford a nice apartment, and support my relatively lowkey lifestyle (go out on weekends, 1 big trip a year, few weekend trips)
    3. Being able to be in control of my own schedule, see family / friends when I want
    4. Make it to big events (weddings, football games, etc.)
    5. Work in an industry I like and can see myself in long-term
    6. Being good at my job
  2. What are your interests / hobbies?
    1. Similar to the awesome post above, was a big athlete in high school so play kickball (lol), basketball, softball rec leagues
    2. Love my alma matter's football team and lived in the nearest big city to be able to go to as many games as I want
    3. I like to workout or at least feel in control of that aspect of my life
    4. Try to go to church / keep up that area of my life
    5. Spend time with friends and SO
  3. What is your ideal weekly schedule?
    1. For me, like to hangout by myself on at least one day of the week, ends up being Monday / Tuesday, so I can workout, cook dinner, maybe veg out on PS5 or read
    2. One / two dates a week, can be more serious or lower key or even cooking for each other and watching a movie
    3. One night with my guy friends (or day activity on the weekend)
    4. I really valued weekend optionality and being able to plan stuff without worrying about work

Once I answered these three questions, I found a job that pretty much worked into that criteria and have been feeling a lot more fulfilled from then on.

 

I think relationships with others and longer term goals definitely helps. Think of all the fun things you'd like to do in life and go do them - travel, give entrepreneurship a shot, find the best girl for you. Days are long but years are short

 

Chess is fun for me. Surprisingly hits similarly to finance. Cooking is a good one, and most of all: adventuring

Literally doesn't even have to be away from the city, go and find new places and plan out trips. 

People find love in things that they can get good at. Its better to find something you like and stay in doing that thing compared to empty sex and partying. 

Don't ever go into something seeking to fill a void, the void will heal up naturally from my experience. But give yourself the opportunity to continue to try new things until you can find something that makes you think "huh, that was actually really great"

 

Was in a similar boat, my 2 cents. Did a couple years of banking and found myself in the same cycle, can't say that I've figured it out but a lot happier now. 

Relationships:

- Family can't be emphasized enough, won't be your 20+ cousins you see once a year but 1-2 quality relationships (including your parents) goes a long way

- With an S/O, I've always tried to be as intentional as possible - if it's a healthy relationship with the basic components there, that's what will make it last. And if not, you'll know quickly where it's going

- Genuinely respecting & having real personal relationships with your colleagues. Doesn't mean your buddies with everyone, but knowing them / spending a bit of time outside of a deal team goes wonders in feeling a real connection at work

Work:

- I'm in a BD/investing role at an MM PE shop; it has its ups and downs, but I love it because I spend my day talking to 'salt of the earth' entrepreneurs and building real relationships with them. And I like to think our capital goes a long way in providing families liquidity and building enduring businesses. The role satisfies the extrovert in me and inherent competitive nature

- I do some analytics/execution work as well and I think it's fun to dig into businesses I find genuinely interesting - the process is fun irrespective of whether a deal gets done

- Comp isn't earth shattering but checks the box. Good enough

Other personal:

- I love food / new cuisines and I never hesitate to pay up for a nice meal (with the S/O or family) for a memorable experience

- I do still drink/party a fair amount but always out of choice vs. a 'need' - and usually in search of good music, with good company, etc.

- I have 1-2 niche hobbies that require a good amount of time/investment - can't say I've kept up entirely, but the job provides a nice financial cushion and I do whenever I can. They're also a great outlet to meet people who may not be lifelong friends, but make for really interesting conversation 

 

Volunteering. I go every weekend I have time and volunteer at a few different places or whatever pops up. Sometimes soup kitchens, other times for public policy. It’s fun, and a great way to engage with new people from all walks of life. I’ve met McKinsey consultants to Joe the plumber volunteering and each time it’s rewarding. I hope this doesn’t sound to corny but it really does make me feel connected to the community.

 

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  • 1st Year Analyst (246) $122
  • Intern/Summer Associate (32) $82
  • Intern/Summer Analyst (314) $59
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...”

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