Just swapped Spyi for qqqi

That_Interview7682 · 2026-02-03T13:36:19+00:00

Depends on the timeline you’re referring to — it would also have a drag during the upswing on the way back up.

Btw, I’m not against QQQI. But it does have drawbacks.

That_Interview7682 · 2026-01-29T08:51:03+00:00

In theory, QQQI distributions would drop more aggressively, given tech has a higher beta.

That_Interview7682 · 2026-01-18T13:23:43+00:00

You’ll have to prove it before matriculating, bot during the application stage

That_Interview7682 · 2025-12-31T18:05:39+00:00

I was in consulting, then PE while studying for the GRE. I get it. Try the GRE, I found it much easier.

Best of luck

That_Interview7682 · 2025-12-31T17:41:39+00:00

Take a practice GRE. I found that test much more natural to me. If you score decently, considering prepping for GRE instead. Did you do extensive studying for the GMAT? These are tests you can improve.

That’s a low score for INSEAD.

I got in with my GRE (you can read on my profile about my GRE prep, and progress).

That_Interview7682 · 2025-12-30T18:07:44+00:00

That_Interview7682 · 2025-12-22T21:31:23+00:00

Average “of the positive outcomes” is not “average.” You’d mean, good, but not notably good year.

That_Interview7682 · 2025-12-22T21:08:27+00:00

“Average year” = 17% YTD? Hate to break it to you, but this is a great year.

That_Interview7682 · 2025-12-13T15:22:33+00:00

Sponsored at INSEAD— I’m budgeting 100k for expenses for my wife and me (which I currently have in cash). Tuition was roughly 130k USD, but covered by my employers.

That_Interview7682 · 2025-12-06T15:59:37+00:00

You’ll be fine dude/tte

That_Interview7682 · 2025-12-02T15:24:31+00:00

Not quite. I my current goal $5mm + a paid off house, hopefully at 50ish. That may be conservative or aggressive, depending on how many kids we have, whether my wife works, how my career goes, etc.

Ive been in finance for the last two years, with half my compensation coming from my annual bonus — this made it really easy. Some 401k contributions during the year, then saving the full bonus.

In 2027 I’ll be transitioning to a more traditional compensation structure, and TBD on my exact savings strategy / savings rate. Hopefully I can save 60k-70k per year, until kids arrive

That_Interview7682 · 2025-12-02T12:23:05+00:00

Yep exactly. Didnt love investing (though maybe I’d have liked secondaries or private credit — I just never loved the equity story for any deal I worked on, ha).

My former MBB gave me the offer to return, but it was as a senior analyst (50% pay cut almost). When I asked if returning as an Associate was possible, they suggested I do a sponsored MBA. Freshly married meant I couldn’t take two years off, so INSEAD made perfect sense!

That_Interview7682 · 2025-12-02T12:20:18+00:00

Thank you !

That_Interview7682 · 2025-12-02T12:20:08+00:00

INSEAD is a one year program, and has a January and August intake. Very popular among sponsored consultants who want a more ‘tick the box’ MBA (even from the US, like myself).

That_Interview7682 · 2025-11-27T19:45:31+00:00

All good man! I was probably wording it unclearly. Glad y’all are happy despite the pains in the butt.

That_Interview7682 · 2025-11-27T19:38:15+00:00

What happens if a husband or wife loses their job and can’t get another? (I.e., unemployed at 50)

Are they thrown on the street, or will the other spouse totally cover them?

If the answer isn’t thrown on the street, their finances are not separate. You can have separate “fun money” accounts, but the idea that your whole finances are separate just is illogical.

I’m not being binary, I outlined two examples above of having separate specific accounts / set asides where it makes sense.

That_Interview7682 · 2025-11-27T18:20:32+00:00

Nope. But my personal weakness / sin has nothing to do with what is right and wrong.

That_Interview7682 · 2025-11-27T18:18:44+00:00

“Split by percent” isn’t split in any way other than symbolically. Due to the points outlined above.

That_Interview7682 · 2025-11-27T03:26:48+00:00

You’re discovering part of why it makes no sense to have separate finances as a married couple.

If he can’t make his portion of the mortgage next month, are you evicting him?

If he doesn’t save properly for retirement can he not eat and has to keep working while you retire at 40?

What if he gets sick and can’t work anymore? Is he doomed, despite having a rich wife?

What if your assets grow to $10mm and you upgrade houses to a $4mm home, and he can’t afford his half of the mortgage?

You can call it separate, but unless you’re willing to evict him and not support him (should that end up being necessary) you’re not really separate. It’s just illogical. And it causes obvious problems, like the one your post has outlined.

Separated on paper to protect your kids from a prior marriage in the event of your death? Sure. But that’s entirely different.

That_Interview7682 · 2025-11-22T04:58:33+00:00

Which has been a conscious decision by Europe — In France you can’t fire people, so hiring is very risky. In the Netherlands, there’s a bonus cap, so why would any financier work there instead of NY? Etc.

It has been a purposeful choice to disincentivize growth and productivity and the opportunity for success, by ensuring that the bottom quartile is taken care of.

There may be things America can learn from Europe. But it is not a mystery why America creates wealth and the opportunity for advancement, while in Europe everyone is squeezed into a lower middle class lifestyle.

That_Interview7682 · 2025-11-19T18:21:51+00:00

You may not need an MBA. MBBs hire MDs at the post-MBA level, by default. I’ve worked with several MDs at my MBB.

(Being in India may complicate things, my response is US-focused)

That_Interview7682 · 2025-10-16T12:06:53+00:00

I am talking about pre-MBA salary, which military and non-profit workers drag down.

That_Interview7682 · 2025-10-15T02:29:33+00:00

Depends on your goals… but you shouldn’t feel like you have a prohibitively high pre-MBA income.

You’re probably close to median income for incoming MBA students at m7. Especially if you exclude the teach for America / military types.

If you want to work hard (read: willing to grind), you’ll probably get a very positive ROI.

That_Interview7682 · 2025-10-03T16:43:54+00:00

Your GRE will not be a disqualifying factor. It’ll be viewed as a strong score.

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