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<p>Sorry I’ve not read the whole thread yet, and I don’t want to derail the main point, but I want to know where I can get 8% over the next 15 years. Can I hire you taxguy?</p>
<p>On Phd programs…I know for a fact that for a PhD in a business-related discipline (where both the jobs and money are after graduation), it does not at all require a top undergrad school to get into a top PhD program. Huge mix in every class across the many schools I’m familiar with. The ‘top schools’ are not concentrated in some kind of USNWR ranking and if you can work with reknowned faculty in your respective field while an undergrad (and that could mean a wide range of different types of schools), you could be extremely successful in your grad app.</p>