Only 35% pass Wall St’s toughest test. How much does that matter?

When the pandemic hit, Irene Zhu decided to explore switching careers from tourism to finance. A lifelong math whiz, Zhu, 37, set her sights on becoming a chartered financial analyst, a highly coveted professional qualification in the investing world. But to do so, she would need to pass three notoriously difficult tests, the first of which she sat for in February — after staying up well past 1 a.m. on many nights studying.

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