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When I start taking CFA exam, it was just a backup in case I cannot get in grad school. I don't really know what I want to do yet, so I just leave my option open. In this case, I can either work or doing PhD. I enjoy doing research, that's why I am still thinking about getting PhD. Also, I really like working more than studying. If I start working now, then I will never pursue PhD, so I want to try to make sure that I didn't miss out anything.
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