Firstly, let me congratulate you on getting your head on straight. Despite your comments about friends being "ahead" rest assured that there are many more out there who do not realize how important it is to plan ahead until after they graduate. Gaining core finance and analysis skills is a great foundation for a career in finance, and you could not do better out of undergrad than to work as an FA for a top firm. Goldman Sachs, Morgan Stanley, JP Morgan, GE, etc. etc. are all great options. Two years as an FA is a virtual launch pad for b-school and is historically a very tried and true feeder for the top full time b-school programs. Keep in mind there are hoards of others on this same track, so along the way you will need to pick up "extras" in order to distinguish yourself--get involved in company extracurriculars. Goldman, for example, has a program called Community Teamworks, which encourages it's FA ranks to lead and organize volunteer excursions for their offices. I am sure other firms have similar options. Work hard, learn much and you will open doors no matter where you hand your hat. Tip though: be assertive in your job search especially if the good firms do not recruit at your school. The squeaky wheel gets the grease, and thoughtful persistence can win the day in the busy field of finance.