I am currently working in a Big 4, post my MBA. But deep down I feel this is not my job fit (though I am ok with this). I want to work for FIs such as RBI, SEBI or pursue my PhD in Strategy. But fat pay cheques that corporate professionals earn (in the top and middle management) is bringing my motivation down. Would I be missing out an opportunity to retire much early? How do I deal with this?

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Posting as :
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You'll definitely miss the early retirement part if you go the PhD way.
PhD will entail another five years of mugging/reading cases and producing research. You will at best be placed as a professor in an IIM/similar foreign B-school. Life will be comparatively chill, but the pay would be 1/5th of what you'll earn by staying in corporate for five years.
Better to grind it out here for 6-7 years, save aggressively, invest wisely. You'll have enough to move to a low-stress/part-time job or even retire if you can live frugally.

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