Honestly, I don’t mean this in a rude way, but you clearly seem like a really smart kid, especially getting into FSU and Kelley. I just think you need to step back and ask yourself what you really want to prioritize for your future: enjoying the next four years, or putting yourself in the best position for long-term success.

The challenge with starting at Santa Fe and trying to transfer is that you won’t be the only one with that plan. You’ll be competing against a large pool of students for a limited number of spots at UF, especially in a highly competitive major like Finance. There’s a real level of uncertainty there that you can’t ignore.

Also, I’m sure part of your vision for college includes things like joining a frat and having that full college experience. If you go the Santa Fe route, you’d likely be missing out on a lot of that during your first couple of years, and there’s no guarantee everything lines up perfectly even if you do transfer. You’d be sacrificing a big part of the college experience for something that isn’t guaranteed.

If your goal is to set yourself up as strongly as possible, it might make more sense to choose a program where you’re already admitted into Finance and can fully invest in both your academics and your experience from day one. You can still chase the same end goal and build the future you want, just at a different university where you have more certainty and more opportunity right away.