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多思考，不要盲目走出来


看了那个“不要怕，走出来”的帖子，觉得楼主根本没想清楚自己要什么，也没搞清楚
什么是金融。
我自己是土木的PHD，国内是TOP2的，美国的PHD也是名校。前两年转去投行做过，现在
转回来了。我觉得做金融的不见得比做土木的就好
首先，楼主没搞清楚金融究竟是什么。金融是一个很大的概念，包括投资，财会，管理
，还有宏观的经济分析。楼主提到那个学经济学的MM，以后毕业了真心不见得能找到好
工作。经济学里面，除了做定量的，很多人数学并不好，文科生也能做。美国读经济的
小本，很多毕业了也就找个小公司做analyst，做做EXCEL算算成本，没有多少技术含量
。其次，即使在投资银行里面，真正赚钱的也是trader和高管。普通吊斯男进去也就做
做马公。在NYC一年拿个12W底薪了不起，在DOWNTOWN租个2居室里面的一个房间一个月
还要2000美元，这样的生活质量真心不高。而且09年之后美国对银行的监管严格起来了
，各大投行的杠杆降低，BONUS也见少。相比起来如果是土木里面的结构，在HOUSTON的
石油公司如果找到个工作，做几年年薪就可以20W了，房价还低，我真没觉得比WALL ST
的差哪里去。
其次，做土木的还好自己创业，在国内很多自己干的人都做得很好了，无论企业大小都
好，毕竟是自己的事业。金融自己怎么创业呢？市场非常efficient，套利的机会转瞬
即逝，MARKET DOWN的时候大家一起亏，自己创业的小基金转眼就被wipe out了。如果
不自己做，就回上海陆家嘴给券商和基金公司打工吧，一年底薪20W-30W，不死不活的
，每天穿个西装人模狗样的，见面就HELLO HOW'S GOING？ 有意思么？
这就是为什么我做了两年投行又转行回来了，现在做得挺好的。我觉得行业无所谓好坏
，重要的是自身的实力，眼光，和勇气。
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