Please, help me to get the idea of the statement: 'A flatmate should have similar interests to me.' Please, help me to get the idea of the statement: 'A flatmate should have similar interests to me.' Is it the same as: ' A flatmate's interests should be similar to mine.'?

How to pronounce 'a PhD student'? Tell me, please, how 'a PhD student' is to be pronounced. Should I spell the abbreviation, or say 'a graduate student', or maybe there is some other way?

Who do we call 'a banker'? I know that 'bank official' is a general term describing any member of the staff of a bank. My question is: Who do we call 'a banker'? Is it only for a financier who owns or is an executive in a bank? Can a person, who works as a department manager in a bank, answer: 'I'm a banker' when he/she is asked: 'What do you do?'