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Hello everyone, I have an admission to one of the top Ph.D. in Economics program in Europe. However, I have certain concerns regarding my decision. First of all, let me mention one thing. I have a keen interest in financial markets and I have a strong performance in my portfolio. This implies two things; on the one hand, my opportunity cost in doing a Ph.D. is high because I believe that I can be very successful in jobs in financial markets. On the other hand, I am not sure if I want the financial markets will be my essential job. It can also be my secondary income source. Secondly, as a person who loves comfort and quality, academic position in universities seems to be very attractive. You don't have a boss, you can choose the topics you want, you can choose the time you work, and so on. However, the four years in the Ph.D. actually scares me... Students seem too tired and drained. Many studies show mental health problems that graduate students face. There are conflicting claims about the job market, is there an oversupply or not? Finally, even though the routine tasks in the private sector are not very qualitative, sometimes the research in academia feels the same. Since, it turns into a race for publishment and, actually, the research topic will possibly be a very narrow question that has very low likely to change anybody's lives. Hence, sometimes it feels like it is an investment that thrives me and sometimes it feels like it is an investment that fails.. Would you want to share your ideas, questions, and thoughts? Thank you.