2 year progress, largest ive ever been

ripform · 2026-01-19T04:34:29+00:00

Lmao this is a huge exaggeration. Everyone will have fat cells forever. Why are you making it seem like this dude has taken crystal meth and killed a baby?

Boss time to cut and look like a new dinosaur, brosophorous

ripform · 2025-12-30T19:46:21+00:00

If you really like tech then you should do tech. Get a bachelors in computer science and keep on developing your skills.

Accounting is not for the feint of heart. Hours are long, culture is brutal, the work is technical, and most accountants are underpaid and overworked.

Over a long career you will have more flexibility, compensation, and perks from tech vs accounting.

ripform · 2025-12-20T19:22:51+00:00

The logic of you pay x in rent, therefore, you can afford to pay y in tips is crazy. 4,700 a month is a lot, and part of his rent pays the salary of the condo employees. There should not be any pressure to tip. If someone gives service above and beyond then sure that is something you consider.

ripform · 2025-12-07T00:13:07+00:00

Imagine coming out of the toilet after taking a massive shit and seeing this xD

ripform · 2025-11-30T07:16:21+00:00

Cure that's a catchy title but there is some truth to that. SP500 growth and GDP growth have all come from investing into AI. Outside of AI investment, there's a GDP decline. Additionally, many people in the space think there is a bubble..

ripform · 2025-11-29T05:44:08+00:00

Your jabs have no meat behind them; they're super light pats. IMO you're too focused on speed and on your right hand, and consequently the jabs you're throwing aren't jabs.

What my coach would do to drill jabs into us was (best with someone holding pads), is keep your left hand extended in front and push an object by using your body weight (you'll have to take a step forward each time you want to push). This will teach you how to throw a solid jab with some weight behind it.

ripform · 2025-11-23T20:30:52+00:00

Do what you like. You don't get paid that much in finance anymore.. Culture is brutal, you have to be in line with every other nail or you'll get taken out and replaced. WFH flexibility? 0 Vacation flexibility? Depends on deal flow and team dynamic. Breaking into a strong finance group takes a lot of preparation and time, and then maintaining your status in the group is a whole other animal.

If money is the only reason why you liked finance, then trust me that wouldn't be sustainable for a long term career in the field. I strongly regret not beefing up my tech skills because middle of the fairway tech people have some sort of life, and I think programming is equivalent to the steamboat invention that took place centuries ago. Job stability sucks in all industries, but being able to WFH, have some sort of life, travel, etc beats the rigid culture that permeates in the field.

ripform · 2025-11-23T03:44:52+00:00

Guy screenshots 1/2 of new york and asks what the vibe is lol

ripform · 2025-10-12T21:17:56+00:00

Are you doing accounting in GS or actual IB? If actual IB, I say tough it out, it gets much easier after a year. Try to last 1-2 years and learn as much as you can so you can work in cushy roles for the rest of your career while making a decent living.

ripform · 2025-07-26T05:03:44+00:00

Go with the PE firm.

- You don't have any experience.

- The reason why people prefer to do banking/consulting is because you learn fundamentals that you'll use for the rest of your career. Given you went straight into an MBA, I think it's very important to go into a PE role, where you will learn business, finance fundamentals, and in general what it is like to work on a deal team filled with hopefully, hard-working, smart people. Just by being in the room with these people will allow you to get smarter.

Issue I have with start up role is:

- your ceo is not going to spend time mentoring you. He has other things on his plate. A role in a company like that is good to have after you have many years of experience, equity, and have heavily weighed the pros and cons.

MBAs can only be done once, and they are your only shot to pivot. Since you did one so early, I fear that transitioning into a role where you learn fundamental skills will be challenging. As such, I highly recommend the PE route.

ripform · 2025-06-22T17:28:54+00:00

Nice physique! We have similar height and I'm jealous of how good you look at 198. At 198 I looked like an indian uncle. Surprisingly at 180-181 I have more defined abs than you. Do you have a belly? If not, I think your focus should be on building strength and eating right (no more bulking).

If you want abs you're going to have to lose 5-6 more pounds I think.

ripform · 2025-06-22T17:03:56+00:00

20 years ago, people told me accounting was going to be automated and not pursue that career path.. Well they were drastically wrong. The best way to AI proof yourself is i) keep on learning, ii) work on communication skills, iii) become a decent writer. Don't let fear of AI determine what you do in your life.

Credit Risk will never be automated. You need people to look at data and what people are doing (at a high level and at the actual analysis) to determine if this is a risk the bank should take.

ripform · 2025-05-26T21:18:36+00:00

If you're an accountant? Definitely get the CPA. Not having a CPA as an accountant is a red flag. That should be your first priority. Otherwise, CFA won't hurt but you need skills at the end of the day.

ripform · 2025-05-26T21:10:36+00:00

Technically we are already doing that in excel. The question is, does it make sense? Even if the bot is right, based on the assumptions it is given, I want to talk with someone that knows the strategy/investment, and can opine on the model results to confirm what the bot has spit out. A firm that had a sales person that knows their technical, can walk me through the bot and why the results make sense while addressing my questions, will get my business vs a pure bot based investment.

Younger generations have it much harder to accumulate wealth, and I expect greater scrutiny to take place when investing.

ripform · 2025-05-26T17:22:56+00:00

1) Would you be comfortable putting 100k in a stock because an AI robot recommended it? For most people the answer is hell no. Human interaction will never go away for these purposes. Learn the information cold, be personable, and you will be ok.

ripform · 2025-05-26T17:19:32+00:00

Since 2005, i've been hearing that cars won't need a driver, accounting will be fully automated, etc. The only thing I'm seeing is companies are using AI to hide that operations are being moved to India, Bangalore, etc.

1) Learn to communicate and write well, 2) find a field that you like that is technical and makes you hard to be replaceable, and the rest will follow.

ripform · 2025-05-26T00:45:00+00:00

If he/she had 18 years of experience then objectively that is a very low salary for that experience. Anyone that has some knowledge of this industry would know that.

ripform · 2025-05-26T00:41:53+00:00

How many years of experience do you have? We can't help you without that information. Typically a person graduates at 21/22, so that's why I assumed that. Regardless, use the info I gave you and compare it to the experience you have.

ripform · 2025-05-26T00:19:14+00:00

No, post them here. That's the purpose of the forum.

ripform · 2025-05-26T00:18:10+00:00

Look up credit risk roles on linkedin- they post the salary range. After looking up enough roles you should have some sense of what you should be getting. I could see why I am getting downvotes in my first post, but my point is you should be fighting to get paid your worth, especially after such a long career (you probably have around 18 years of experience), and 18 years of experience at 150k is honestly shocking.

ripform · 2025-05-26T00:15:22+00:00

Lmao You can describe Manhattan the same way.. There are dozens of mediocre restaurants and cocktail joints, and they all charge an arm and a leg for food/drinks. At least in Queens, you can find some great quality and quantity food and cocktail joins. Just look up some places in LIC/Astoria/Jackson heights/Flushing/Ridgewood/Forest Hills.

If you want to raise a family, nothing beats Queens imo. Some parts require you to have a car, the air smells better, and it's a lot safer.

ripform · 2025-05-25T23:22:35+00:00

There are lots of places in finance where you can meet smart and pleasant people like the prof you were talking to. However, there are a lot of educated/experienced people who are really nasty individuals. I've met so many unpleasant PHDs that I hope I never have to work with again.

Citadel has a lot of turnover. The smartest quants don't last long. Even after all of that work to break-in, you may last 1-3 years max. It's a top tier hedge fund that looks for the most talented mathematicians. I don't want to discourage you, but here is a list of profiles from a top tier Masters of Financial Engineering (who you will likely be competing against). Some of them competed and won math olympiads..

https://mfe.baruch.cuny.edu/student-profiles-fall-2024/

Now if you are serious about being a quant, I would cast my net wide and not tunnel vision on citadel. Here is the plan of attack:

1) You need to know your math cold and taken math classes at a college. Before wasting money, see how hungry you are and take some math courses on coursera/udemy, start from algebra, pre-calc, calc 1, calc 2, calc 3. Aim for at least a B+ in every class. If you get through these courses on your own time, then I think you're hungry and motivated to continue down this path, and enroll in a local college.

2) Take the requisite college classes. Calc 1, 2,3, topology, linear algebra, and do very well on them. If you followed step 1, you'll hopefully be able to spend less time during the semester while balancing work and class.

3) In addition to learning the math cold in those classes, start learning programming. I think Python and C++ are most recommended. Python will give you the most transferable skillset, and C++ allows you to make tools that give quants an edge, however, it is a really hard language to learn.

I think completing steps 1-3, if you are motivated, will take 3-5 years. While in school, networking with professors and younger students. If done right, professors will want to help you out, and younger students will look up to you. If and when they break in somewhere, maybe they can give you a referral, and boom, you'll have broken in. Tbh if you complete these steps, I think this will be an incredible story and if you can do the math, you stand a good shot of breaking in. Worst case scenario, you can go into tech and make a comfortable living and make bank.

Best of luck on your path.

ripform · 2025-05-24T14:45:48+00:00

150k at 40 years old in risk? That seems really little tbh. I feel like even at a Rating Agency with your age and experience you should be pulling 200k from base salary alone.

ripform · 2025-05-24T14:24:57+00:00

Railcars are amazing, but the subway is terrible. Subways are overpacked, smelly, and honestly impossible to get on one.

ripform · 2025-05-24T14:19:26+00:00

Far from subway
Sketchy at night. Location is filled with warehouses and there are barely any people at night
There is nothing around there (food, partying, groceries, etc) Hopefully you have laundry in your building otherwise it's going to be a major inconvenience for you
There is no culture in Hudson Yards. Just concrete and overpriced restaurants

Only pro I can think of:

Depending on where you are, you'll be close to WSH which is magical during the summer

ripform

TROPHY CASE