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Thanks for the comments. I slipped in the football bit only for the reaction. I have limited time as it is and I’m try to be a realist when it comes to my time. I think the bigger question for me isn’t about December or June, it’s whether or not it makes sense to chase the CFA now. Someday it will benefit me to have the designation and the knowledge developed through study will only make me better in my profession. However, given that I am a real estate investor (buy side), the CFA isn’t necessarily a career requirement immediately. Would I be better off focusing on the skills that are specific to my industry and push the CFA to a later date when I’m not at such a “learning point” early in my career? Should I spend the extra hours becoming a better underwriter, market expert of the 4-5 cities that I cover, etc. Or, let those things come in time as they naturally will during my normal working hours. Then I can spend my extra time on the CFA. Part of this will be an exercise in practicing patience.