A: Sure. If your plan is to be the 60% who fail. Notes ≠ skills. Here’s the truth: Hoarding PDFs, pirated videos, and “friend’s notes” feels like progress… but unless you can crush a CFA question in 90 seconds with 70% accuracy, you’re just LARPing as a candidate. MasterCFA builds that muscle. Notes don’t. This isn't about materials — it's about the SYSTEM for using them effectively. Most people who fail CFA have great materials. They have a terrible study system.