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Comments (63)

Most Helpful
  • Prospect in IB-M&A
Apr 20, 2021 - 8:39pm

First of all, happy birthday to you! This year will be a journey into many new things, both good and bad. You seem like you have a good attitude, and given the kind post you made on my post about my grandmother's birthday, I feel that you are certainly much more mature than most people your age. And now, without further adieu, let us begin!

(1.) Your life is going to change in certain ways, such as your level of responsibility in matters, but you receive more autonomy (freedom) along with it. In most cases, the college years have been the most fun for people, because we grow into adults with a smarter outlook on our lives, meet new people on and off-campus, and discover new things about ourselves. Unfortunately, this isn't the greatest time for the second example, but the end of the virus is coming, and everything will be normal soon enough.

(2.) As I said in my paragraph about life, your relationships with people will differ from years past. In some respects, they may not differ too much from high school, but they may change later on. Of course, there is a more relaxed idea of dating in college than high school, so meeting someone in the masses of campus students might be better than the same old "couples" together.

(3.) With regards to your health, which you mentioned in your original post, a person's state of mental health can be affected in college, especially between classes, homework, jobs, and friendships/relationships that you may find along the way. It is important that you stay careful of this, because it affects more than most people realize.

Finally, I give you a word of advice that helped me though my life: "Life moves pretty fast: if you don't stop and look around, you might miss it." -- Matthew Broderick, Ferris Bueller's Day Off (1986).

Apr 20, 2021 - 8:42pm

i've heard good things about heroin, this guy from the mental hospital type of place told me the it was like a nice warm feeling, he compared it to the feeling of morphine which you experience after you break a bone, i've never done heroin or morphine just passing the word along

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  • Intern in IB - Gen
Apr 20, 2021 - 10:48pm

Theres a post on things people should have done by their 21st bday on here written by either blackhat or frieds. It was pretty solid, you could search for it. 

To add though (assuming you're a guy):

-maintain a 3.7+ in uni

-get involved: join a professional club (investment club) and join some kind of social club (greek life)

-Maintain a good physique: workout, get in the best shape of your life. It's good for your health, you have the most time you'll have right now compared to after uni, it'll give you confidence, it'll relieve stress, etc. So many benefits.

-Put yourself out there: go talk to random girls, send out a cold email to someone who works at your dream company, ask questions to upperclassmen. If you see a girl that peaks your interest, go talk to her. If you can't decide between CRE and vanilla IB, set up informational calls with alumni and find out what they like/don't like about their industry/company (obviously research online first). Someone in your investment club interned in the field you want to be in, ask them if they'll chat about how they got the internship and if they like it.

-Enjoy the ability to pretty much do whatever you want. Roommates wanna hit the bars on a Tuesday? Sure. Wanna go see a movie at 2:00pm on a Wednesday, why not. You get my point, there's not a lot of obligations outside of class. So make the most of it. Honestly, I don't know anyone that regretted going out all of the time (granted they got good grades/ got a solid job), but I do know people that at the end of the 4 years felt like they should've done more. My point is- if you have an exam the next day then of course stay in and study, but if not, netflix will still be there another time.

Apr 20, 2021 - 10:51pm

Happy birthday : )

Don't start drinking just bc you're legal age.

Hit the gym, go vegetarian( if possible bc global warming )

Start taking responsibilities on your own and held yourself accountable for any failure due to being irresponsible.

Start investing in stocks (power of compounding... blah blah), the sooner you get in, the better....

Always challenge your ideas, thus, leaving space for change, this age isn't for any solid stubborn mentality as those SJW got.

Always spare some little time to hobbies if it's not aligned to your future plans.

Don't choose liberal arts/gender studies in college.

Help/donate the disabled/poor

Travel around the world to experience different peoples/cultures.

  • Prospect in IB-M&A
Apr 20, 2021 - 10:54pm

Help/donate the disabled/poor

I have a neighbor who recently broke his arm. Where can I donate him away?

  • Prospect in IB-M&A
Apr 21, 2021 - 12:13am

no no no no no. no no. if global warming rents space in your head then buy a fuckin' prius. do not punish yourself by refusing a thick filet mignon  

Apr 20, 2021 - 10:52pm

Bro now that you're legal, make sure you're careful about the broads you smash. Nobody wants to get in trouble for banging a 16 year old who looks 22 or some shit like that. Matter of fact, be careful about obeying the law in general. I'm not even being sarcastic. The excuse, "oh it's okay, he's just a kid" doesn't work anymore. Be careful out there. Sorry if it got too bleak, make sure to have fun too.

Apr 21, 2021 - 2:06am

Don't worry too much about what other people think. At the end of the day, the majority of people are so self-absorbed in their own lives that they aren't thinking about what you wore, what you said, or what you did.

When you're going to bed, you're thinking about whatever is going on in your own life, not someone else's. The sooner you realize that other people do the same, the sooner you can start living for yourself, learning from but not dwelling on mistakes, and enjoying what life has to offer.

Apr 21, 2021 - 3:00pm

Young dude.

I am on the way far side of 18th birthday.  Some life thoughts. Some serious, some funny.

  • You will fall in love and get your heart ripped out at least once.
  • Everyone has a plan until they get punched in the face.
  • Never fight a land war in Asia.
  • Your idealistic vision of the future will not come to pass.  Be flexible.
  • Be equal parts gentlemen, scholar and jolly good fellow.
  • Read the classics.
  • Stop social media.
  • Work to live.  Never live to work.
  • Live in NYC once, but leave before it makes you hard. Live in Southern California once, but leave before it makes you soft.
  • Family first.  No. Matter. What.
  • Treat people exactly the way you wish to be treated.
  • Grit.  You will fail.  A lot.  How you pull yourself up tells more about you than the failure.
  • Learn to shoot a gun.  Practice.
  • Money is just a measurement, not a life.
  • There is always someone better than you.  Deal with it.
  • Always hand write thank you notes.  With a pen.
  • You can't choose who your parents are, you can choose your friends.
  • Suck the marrow out of life before your body breaks down.
  • Never swim with sharks, unless you have a large spear gun.
  • Finally, be YOU, not what other external pressures place upon you.



  • 7
Apr 21, 2021 - 4:02pm

I'll give my two cents although I'm still relatively young myself 

(1)- I really do hate this phrase, but its mostly true- your network is your net worth. Your friends, more than anything else, shape your view on life. If you surround yourself with hardworking motivated people who want to do something with their life, you naturally will as well. If you surround yourself with 24/7 stoners, you will as well. If you find the right group of friends who share your same passions, there is a good chance you will work together one day.

(2)- Your reputation is the most important thing you have. Especially in finance, especially in the social media age, the world gets real small, real quick. Everyone you meet will have some sort of mutual connection, and mistakes you make when you are young can certainly come back to haunt you. (mostly character ones though, not so much work). 

(3)- You are never too busy to spend time with your family/close-long time friends. On their deathbed, no one has ever said "man, I really regret getting dinner with my parents once a month when I was a junior analyst in IB."

(4)-workout. I know, I know it's obvious. But realistically speaking, the next 10-15 year is the only time in your life you can build muscle/change you body structure. If you are lean and athletic for the next 15 years, you likely will be when you're 55 as well. 

(5)- At some point in your life- start something. Try to raise your own fund, run a start-up, doesn't matter. Give yourself the opportunity, at some point, to be your own boss. Not only is it incredibly fulfilling, but it can also be very lucrative. In my mind, there is something so right, and so natural, with having the courage to venture out on your own.  

(6)- Start maxing out your Roth-ira if you can. Just 6k a year, every year, for the rest of your life, in the s and p 500, and you'll be a multi-million at 60. Social Security will be gone, you will be on your own. Start preparing for that inevitability. 

Apr 21, 2021 - 4:19pm

Happy birthday big dawg,

Here's my take. No your years of fun are not over or anywhere near. Yes, you do have to pick up slack a bit on the responsibility side of things.

In bullets:

  • get good at managing yourself and your time
  • respect yourself and don't bend backwards to help others at your own expense (though help when you can)
  • don't get too caught up with one relationship or one girl. Love is like water, you can find it almost anywhere (save for the middle of a desert I suppose, but that's what we call a 'dry streak')
  • make friends with ppl you enjoy and who will lift you up, not people you think are "cool". This always happens freshman fall. Reality is college isn't HS.
  • take time to find out your hobbies/interests outside of school/career building/relationships/etc.
  • recognize that just like in the past, there will always be ups and downs in life.

Good luck!

Apr 21, 2021 - 4:44pm

Get on Tinder/Bumble and fuck everything you can (with protection). There's so many "undesirable" girls out there that fuck so good, that you would be amazed.

You're welcome.

Apr 22, 2021 - 2:29pm


- Join sports teams

- Hit the gym daily 

- Socialise all the time 

- Party & get laid like there is no tomorrow 

If you make the most of Uni, you will have fewer regrets when you land a soul-crushing job on Wall Street

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