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As a recently graduated college student (2 days ago) I did not start the CFA yet, and have planned on doing so after New Years. I wanted to enjoy my final weeks at college and the stresses of finals were enough for me. Also, this gives you an opportunity to have a nice holiday break not having to worry about putting in hours when friends and family are home. Everyone will go back to work/school after the New Year and it will be much easier to concentrate knowing you’re not the only one on the work grind. I’ll be starting in early January while I search for jobs (if my upcoming interviews don’t yield results) and going until early to mid-May. Congratulations to all recent grads, and good luck in the next half year!