I appreciate your response, as I should let them know by tomorrow.
If your goal is to pursue a PhD in finance and you have an offer to begin a finance PhD program this fall, I don't understand the issue. There are no guarantees that you will be admitted to a program in the future. Competition seemingly increases each year. To me, it's a no brainer but good luck with your decision!
This is quoted from McGill's brochure:
Recent McGill-Desautels graduates have accepted positions in academic, international and private institutions,
including Goldman Sachs, International Monetary Fund, McKinsey & Co., University of Amsterdam (Netherlands),
Universidad Austral (Argentina), Tsinghua University (China) and York University (Canada). The average starting salary
for recent graduates is C$125,000.
If you are comfortable with those placements, you should absolutely take the offer, why mess around for a year and test the admissions waters. If not..., then your decision is much tougher.
Good luck.

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