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Well, you have Msc in Financial Maths, so you could search for a quant job, but job market is tough nowadays, so doing a PhD would let you spend this time in useful way. But choose PhD you like and not necesserily quantitative finance, cuz who knows what will be left of finance after 3-4 years. And dont do another MFE its same as Msc in Fin Maths more or less.