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Message: <blockquote data-quote="Connor" data-source="post: 43175" data-attributes="member: 2502">Admissions at top finance PhD programs is extremely competitive (2-4% admission rate at some). It really comes down to being lucky in some cases. I think you have a chance and should definitely go for.If your recommenders are turning out generic LORs then applying to 18+ schools is possible, but if they are tailoring each LOR for each program then asking them for 18 LORs is unreasonable. Best advice would to talk to them; say you are interested in PhD programs and ask their advice and where to go, LORs, application, etc.On applying to safety schools, don't bother applying there if you really don't want to go there. You will be spending 4-6 years there, so unless you are just dead set on getting a PhD and don't want to try again another year then don't apply to places you wouldn't want to go to.</blockquote>