Low morale.

Been studying for a month, and have the FAR exam in 2 months.

I feel like I have not accomplished anything although I have covered all lectures and am in review phase.

I don't memorize ratios, and when I take quizzes I feel like I am guessing more so than understanding.

Although I do make an effort to read and try to digest every single explanation given.

After reading all the stories of people who study and take an exam and fail it, I am freaking out and don't want to end up failing an exam. More than anything I cannot financially afford to keep having retake fees.

Any words of advice or encouragement? I'm considering every day buying more resources, etc.