you should also try another forum. Sorry, sorta sounds rude. But what i meant is that you should try a more general forum. I mean, you came to
the Service Academy Forums to ask whether you should choose
USNA or UPenn. I'd guess that most people on this forum are here because they are USNA mids, grads, relatives, supporters, Navy vets, etc. and asking a question like this would probably give you very biased answers.
As for my opinion.. If i were you, I would probably go to UPenn and take NROTC. Can't say much more than that, but from what I have read in these 7 pages, if your ultimate goal is to make money, UPenn would probably be the better choice. Not necessarily because its directly correlated with grads making bank right out of college, but because if your ultimate goal isn't something related to Navy, a full immersion of the Navy life will probably disagree with you during college. By no means am i saying you won't excel, but rather that you wouldnt enjoy it i guess. If you take NROTC at UPenn, you would still serve in the Navy after graduation, you would still participate in all the activities over the summers, but during the 4 years of college, you would be a midshipman for 2-3 days out of the week. So not necessarily a full dedicated military lifestyle immersion like USNA. You can have more freedom to chase down that goal of making money, go out, make more connections. Also you said you were going to double major at the Academy if you chose to go there, but from what i hear, it is quite quite difficult to double major. Due to the regimented schedules, you would have to pass a lot of validation tests to make space for the extra classes. But hey, i don't know, lol maybe you're a super genius.
Anyways, good luck and godspeed! I'm sure in the end, you will make the best decision for yourself! If you choose USNA, we'll probably run into each other quite soon