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1. Noone knows for sure, try to get in and find out!

2. No, you are wasting your time taking courses in general.  There are very very very few educational opportunities that have significant impact on your capacity to perform the type of work financial engineers actually perform.  You will ultimately show up and realize 99% of what you learned does not get you anywhere.  If you cannot break in with just a BA, perhaps a Master's degree will open doors.  But for most of them that is the primary practical purpose, sadly.


I don't know of any Ph. D.s in computer science in the field (perhaps I need to network more, I'm sure they exist in throngs somewhere), therefore I find your stereotype is slightly puzzling. Most people I know tend to have Bachelor's or Master's terminal degrees. More masters than bachelor's if I had to guestimate. I certainly don't have a Ph. D.

3. Lots of things!


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