Habituals, generally speaking, are the people who might in the context of college admissions be referred to as legacies. These are people who choose to go into finance either because their parents or siblings work in finance, or because they've grown up with financiers in their immediate social circle. Strictly speaking, most Habituals make it to Wall Street on their own, but their upbringings (in wealthy or upper-middle-class communities) and their educational opportunities (at private high schools and top-tier colleges) have made finance a destination that, if not inevitable, is at least a known and respected option for people in their circumstances.

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