<human>: Can you provide a brief rundown of the text in within 3 sentences?

[Here is the resume \(image, when I submit the application it will be a PDF\)](

Hey guys, 

Just curious what you guys think of the overlay. To address these initially, I personally like the picture as it adds a human touch and a professional headshot speaks well. The color really brings out the resume I think and give some variety to hiring managers who look at black and white resumes all day. 

In a previous discussion, I'm still not very sold on the idea of writing a cover letter.

A recent friend of mine was able to leverage into a position that pays almost double (I'm assuming 60-70k~) with similar credentials so there is definitely hope for me. I'm making 40-45k or so. I do feel bummed out that I missed the investment banking/consulting/private equity train as I did not do much in college. I'm currently 23 turning 24 soon.

Do you guys have any ideas what career trajectories are out there that I can break in? I would like to make 70-100k+ plus and would like to do work within the finance realm (I know that's broad and non-specific). 

Any thoughts on how pursuing a CFA or MBA will help my credentials? CFA seems affordable and is based very much so on merit - but may not necessarily guarantee a job. The MBA will provide networking opportunities and really be a door opener (then again I'm cheapish and networking/social skills are mediocre if not poor)

Thank you.
<bot>: Resume critique, and general life/career advice in regards to what to do going forward (am 23 years old).