Highest Ranked Comments In The Last Month

+6 What a strange post Associate 3 in PE - LBOs
+6 Wow. Groundbreaking stuff really  99twotwo1
+6 Nahh we all need to let the world know he’s a Nepo hire, so others around him could be careful and all give him the white glove service he expects Analyst 2 in IB - Cov
+6 I have no dog in this fight, but I think you should listen to your gut on this one. Yale is probably a bit more prestigious and you're in a bit of an odd situation where the more "prestigious" school is also cheaper. Lester Freamon
+6 You’re in a good spot. Like others have stated, it’s not quit doing anything sort of money but you have a great head start. You can do the math what that would become if you save a few IB bonuses with X% market return. ky9xnsz
+6 Where’s HR and wtf are they doing about this? They need to grow some balls and help protect the franchise Analyst 1 in IB - Gen
+6 PNC ABL group.  VP in Research - FI
+6 It’s no surprise that this industry is tough (look at the other comment or countless threads on this forum) if you’re not at a certain seat, are above average in terms of skills and performance. Investment Analyst in HF - Event
+6 Lol exit to buyside and continue the cycle of 95 hour weeks. Great solution Associate 3 in IB-M&A
+6 Few thoughts - and to preface, I work at a brokerage as a senior financial analyst so 95% of my time is also underwriting/running analyses/talking to clients about the financials of deals etc. Guy in LA
+6 No, probably single worst group in the bank though think M&T might rival it. Most of people leave to LMM PE at best if they can get something, most mid-levels are extremely toxic, and the hours are horrible.  Analyst 1 in IB - Gen
+6 Somewhat familiar with some folks from these groups: Q: Surprisingly chill culture. Make no mistake - you will get worked, so in that sense it is "sweaty" but the culture is relatively laid back Analyst 2 in IB - Gen
+6 I think repeating 2 years (versus 1) is somewhat meaningful given as you said it’s like starting over in that “class of 10” mentality fighting to prove you are even a human being (depending on how bad the culture is etc). Associate 3 in PE - LBOs
+6 There has been a large uptick in interest for this space especially amongst the junior level. I always caution people away from it for a few primary reasons... Principal in HF - Other
+5 Partner / co-founder at an Operator here (title is stale). We actually had an unpaid intern for a year or 2. Director in RE - Comm
+5 Honestly as someone who grew up solidly middle class, albeit with a very privileged background (full financial aid package to top day school as parents valued education) and a LAC degree, banking has catapulted me up a soc Associate 2 in IB - Gen
+5 OP you're getting a lot of strongly opinionated but mixed responses because this is a really tough decision.  Deal Team Six
+5 For 2 there is a ton of data on this, I will point you specifically to the tests that Google and Microsoft have run with submersion data centers.  Google found they had an ~70 - 75% lower failure rate of hardware. ioncewenttoschool
+5 Sat on both equity and fixed income repo desks -> learn what Triparty is, how the system works, understand what drives repo rates & how financing actually works (firm financing vs. short cover). Intern in S&T - FI
+5 Seems far too high at least for UMM/MF. Associate 2 in PE - LBOs
+5 On a more serious note, while positive feedback is great - ultimately your bonus is the ultimate barometer of how well you’re doing (bottom, mid, top bucket). asdf1248
+5 I've spent the last two months in Claude building a new multifamily pro forma using bits and pieces of all the pro formas I've used in the past. TheFranch7se
+5 I am not sure I get your concept of stub  Associate 1 in PE - LBOs
+5 Macro is notoriously hard to break into as a junior. If you do, it takes a while until you can become properly useful, which is why juniors might be paid on the lower side for a bit. posositos
+5 I feel like you're arguing fundamentally different things? He's saying HYPS kids should be doing something better than IB, you're saying "I was able to get into IB just like you." Associate 3 in IB - Cov
+5 I would implement Adjusted EBITDA as a core operating line in the model rather than trying to force it to flow directly from the CIM’s reported OpEx. VP in PE - LBOs
+5 Holy shit a reasonable MD UBSRising789
+5 how the fuck did someone as creative as you end up in banking Intern in IB-M&A
+5 Agree with the above. It’s not life changing but it certainly changes how you should think about your career. Theoretically you could probably never invest another $1 and be fine. Associate 1 in IB - Gen
+5 I'd like to see the stats before piling in but I'd make a case for FIG - you're having a lot of bank consolidation within Europe and the big commercial banks trying to expand / pivot into the last remaining high-growth are Analyst 1 in IB-M&A
+5 To your first paragraph, that's largely why many multis force you to increase risk or lose capital + why hiring is so consistently aggressive. PM in HF - Macro
+5 Many important names soon as well Associate 3 in IB - Cov
+5 It’s a wale up call. It shows you the freq. the best are operating at davani1420
+5 If real: before re-recruiting would think long and hard about what in your calls might've lead you to being placed in a group you didn't want to be placed in. Analyst 1 in IB - Gen
+5 Don't know how many times I have to remind you I'm not a banker. So keep throwing misplaced insults my way haha. You also have literally no idea what I studied at uni. "is one that values skills" nutmegger189
+5 EVR shills are back Analyst 2 in IB-M&A
+5 Oh, how precious. PrivateTechquity 🚀🚀🚀
+5 I used to think of it that way (college = brand for rest of life).  But I think those times are changing fast. Dr. Rahma Dikhinmahas
+5 Hey first want to say I hope I'm wrong but I would think about approaching the call not expecting good news. Associate 3 in PE - LBOs
+5 It’s wild how many millions UBS has paid to bad MDs/EDs who’ve do nothing… Intern in IB - Gen
+5 i did buyside for a few years and left to do IR (fundraising) as i was always more of a person who enjoyed conversing/making connections. could not be happier as i really disliked being an investor. Associate 2 in ER
+5 Two juniors were let go. At leaset in NY. 7-8!people at THP, entire LA tech team, and more Analyst 1 in IB - Cov
+5 Try Claude Co work or Code , especially since claude code and cowork allow to use models on MAX effort and has special plugins while web never goes above above medium effort. Same with Codex. regret_tech
+5 Is this an entry level Analyst role or an Associate role? MultifamilyGuy
+5 As someone who doesn't build them and who is an AI skeptic, I think the answer is both yes and no. Ozymandia
+5 It’s honestly pretty weak right now at my firm. copilot and rogo but they both are essentially chatbots. It’s very helpful for legal docs, cursory reviews of CIMs, materials etc. Associate 1 in IB - Gen
+5 I can't really offer tangible advice without knowing your specific circumstances, career goals, personality, etc. But I'll offer some points to help make a decision. Investment Analyst in HF - EquityHedge
+5 After working with them for 4 years, their behavior has ranged from being extremely shady to them straight up lying. The fees they originally told me have balonned by like 800%. joed1
+5 Let me chime in here with a perspective from a MBB consultant. PE_prep
+5 (1) I have a genuine question for you. When were nuclear reactors first technologically viable? jl12
+5 Currently at a similar platform that has "worked out". Made the switch earlier in my career when I was an associate to a different shop and it was a complete disaster. Principal in PE - LBOs
+5 I'll skip answering (1), since you aren't really looking for an answer there. (2) Mothballed, right? That probably has to be the answer for the foreseeable future. CRESF
+5 My firm has started rolling out Claude and it's definitely a big productivity boost. It can create pretty nice-looking dashboards and cuts of data that would've otherwise taken me hours to do on my own. Lester Freamon
+5 There are a number I see on my end that might not be the worst but I find dubious. PuppyBackedSecurities
+5 Property management companies can be profitable at around ~5k (and sometimes below) units assuming you've dialed in your overhead, keep your fixed costs down etc. VP in RE - Res
+5 calm your horses. AI has existed since before you were offered your intern spot; they have seen the technology coming for a while now and planned accordingly. asdf1248
+5 Don’t listen to this guy. Many juniors are churned out of HFs, but it’s also true that many sharp analysts hate banking and burn out. I have several friends who burned out of banking and had to downgrade jobs. rocinante555
+5 (1) "I'll skip answering (1), since you aren't really looking for an answer there." jl12
+5 Good luck to interns in UBS trying to get return offers. Most groups aren't anywhere near budget, so doubt they will get a lot of spots for returns. Most groups have far too many juniors for their deal flow. Analyst 1 in IB - Gen
+5 Do you have an IB offer already? If so, Would just do a year or 2 of IB. But don’t bother aiming for top bucket. pavlav's_dog
+5 If the substack shows in-depth research then let it stand as it's own and highlight the research itself. FinanceBrah
+5 Ignore my title. Wife worked in education. My wife and I sacrificed $100k+ of savings for her to stay home. Best choice we’ve made. Nobody will care for your kid like their mom. Analyst 3+ in CorpFin
+5 Bro r u serious? They will be assigned to you. It’s not a free for all. Assistant in Acct - Audit
+5 Some shops care about your ATAR, some shops don't. Associate 1 in IB - DCM
+5 thank u for ur opinion, prospective intern (franker). might be best to practice those moic mental math problems to land any of the aforementioned firms loll. Analyst 2 in IB-M&A
+5 managing the family office Intern in IB-M&A
+5 Yeah, plus, as has been mentioned in this thread, restructuring isn't like traditional consulting where SMs/Partners can mostly get by through "reviewing" work and being the face of the deal while leveraging people below t Lester Freamon
+5 Cannot tell you how sick I am of Brad Gerstner at Altimeter constantly shilling his OpenAI position. He's a total clown riding beta, classic boom-bust moron  The Penguin
+5 One of his good clients hired his other son. Sounds like a potential quid pro quo is brewing Analyst 2 in IB - Gen
+5 I have used Claude Code and Claude in Excel to build models and do heavy duty analysis for me over this past month (eg cutting up 250k row bookings databases). kuf135
+5 Who is it Intern in IB - Gen
+5 Sounds like you are enjoying it, hopefully it stays that way.  Lots of valid perspectives and situations.  IMO, for pure data guys being “the first” data guy at a place, various pluses and minuses.   oil_quant
+5 Will he be on the cruise lol Intern in IB - Gen
+5 Cornball definitely a solid description Analyst 2 in IB - Cov
+5 Ultimately I think satisfaction with leaving materializes once you realize what your floor cash compensation requirement is to live the life you want to live. Works at Goldman Sachs
+5 Ex MBB here, working on AI in Tech now. For generic work, AI is already useful: summarizing docs, turning messy notes into a memo, drafting first-pass emails, cleaning up language etc. Ex-consultant in Tech
+5 You'd most likely be joining as a Senior Analyst or an Analyst, if not JPM(Junior PM), and since you said under a PM and giving out ideas.  bomboclatinvestor
+5 shitty website stop scaming people lol Works at Morgan Stanley
+5 I think AIF looks for people who are very smart, but importantly have something outstanding about them, like jeff, or some award, or unique internship experience. Prospect in IB - Gen
+5 He deserves the imposter syndrome because he truly doesn’t belong Analyst 1 in IB - Cov
+5 BritanniaAmericana alt? This is a kind of retarded claim imo. If your goal is IB in London, ‘Oxbridge’ lumps the two together for a reason. Pretty much the same across Europe. Associate 2 in IB - Cov
+5 Forum ate my post and it was long, premise is here are some oddball choices; Lexus SC430, Volvo C70, Fiat 500/Abarth, Mini, Jaguar F-type, Jaguar XK8, Jeep Wrangler.  FinanceBrah
+5 The only thing that is guaranteed is that you will have more time and more ability to set boundaries. What you do with that time and how you set those boundaries will determine your happiness.  Associate 3 in PE - LBOs
+5 Not saying I endorse saying racial slurs, but would you really want someone who squeals the moment someone says something slightly insensitive on your team? Intern in IB - Gen
+5 I’ve read your last few posts now and it sounds to me like you’ve already decided on ICADE but that really you just want to be reassured it’s good enough. Associate 2 in IB - Cov
+5 I transferred back in 2009. Bloomberg Businessweek used to run an annual ranking of the top undergraduate business programs. McIntire had been ranked no. 2 in the US for much of the prior decade and then jumped to the no. Partner in RE - Comm
+5 What about a peanut allergy? Anonymous Monkey
+5 I did one of these courses and will present a counter to the Oxford narrative. Ultimately, choose based on which experience you would enjoy more socially and academically. College makes a difference too. Associate 1 in PE - LBOs
+5 I hope so. odog @digitalimmortality.com
+5 "I love a broad margin to my life. Isaiah_53_5 💎🙌💎🙌💎
+5 Way to totally miss the point. Associate 1 in IB - Gen
+5 odog @digitalimmortality.commgw19 odog @digitalimmortality.com
+5 Do you look better in a Patagonia, a wax jacket, or a shiesty Associate 2 in IB - Cov
+5 Certifications are definitely becoming more relevant, but they’re not replacing degrees, they’re more of a boost than a substitute. Kevin W.
+5 Two reasons Associate 1 in IB - Cov
+5 You mean buying mature low growth software companies from the bargain bin at TJ Maxx, levering them up, and bleeding them dry isn’t a winning strategy in the age of AI? Principal in PE - LBOs
+5 Don’t know why the MS You’re right It was only 11pm day threePeople stay up all night during finals to study all the time and are completely fine and I guarantee they didn’t stay up all night day 3 of training Analyst 1 in IB - Gen
+5 There are definitely a few clear hubs in Europe for defence/A&D work across MBB and T2. Kevin W.
+5 The people running it are from their Bridger program for IB/ER analysts, which is solid, so the core is built out. Analyst 1 in IB-M&A
+5 I remember being super confused about networking this last fall. Took me a good handful of chats to figure it out. Unfortunate reality is there is no cookie cutter approach to networking. Prospect in IB - 5th Year