You Failed, Now What Wiz Kid

Finding a smarter way to learn as an adult learner studying to pass the CFP Exam.

Failing the November 2024 CFP Board Exam was a humbling experience for me. I’m not someone who fails tests. I hold three graduate degrees, and as an engineer, I’ve tackled and mastered highly complex concepts. But this failure forced me to reevaluate how I approach learning. That’s when I discovered Nelson Dellis and the Coursera course on learning.

What I’ve learned has been nothing short of transformative. Nelson, a four-time USA Memory Champion, proved that even an “average” memory can be trained to accomplish extraordinary feats. Inspired by his grandmother’s Alzheimer’s journey, he trained himself to set records like memorizing a deck of cards in 40.65 seconds and recalling 201 names in 15 minutes. With his techniques and what I’ve learned from this course, I’m confident that I will pass the CFP exam in March 2025.

In this post, I’ll share how I’m applying these memory techniques to my studies, reflect on how they’ve helped me overcome challenges, and offer insights for anyone looking to improve their ability to learn.

The Foundation: Memory Techniques That Work

1. Visualization
Memory begins with turning abstract information into vivid, personal images. Nelson uses a method called the Memory Palace, where he assigns images to familiar locations in his home. For example, the number “7” might become a shining sword, while the number “4” could transform into a fiery dragon. When trying to recall numbers, names, or facts, he mentally walks through his Memory Palace, picking up these images along the way.

My experiment with this technique: I’ve started using the Memory Palace to memorize key CFP exam concepts. By associating tax codes with rooms in my house and picturing investment formulas as objects on my desk, I’ve turned dry material into a mental journey. This technique has made studying less daunting and more engaging.

2. Anchoring Names to Features
For names, Nelson recommends focusing on a person’s distinguishing features and creating an association. If you meet someone named Mary with curly hair, you might imagine her holding a merry-go-round in her curls. This anchoring method helps to create a vivid, lasting memory of their name.

My application: While networking with fellow CFP candidates, I’ve been practicing this technique. Remembering names has become easier and has also helped me feel more confident in group discussions.

Applying Memory Techniques to Broader Learning Goals

1. Memorizing Complex Concepts
Nelson’s techniques go beyond names and numbers. When tackling complicated material — like equations or regulatory frameworks — he suggests breaking them into smaller, memorable chunks. For example, a tax law might become a courtroom scene with distinct characters representing its components.

My trial: I used this method to memorize financial planning frameworks. By visualizing each step as part of a story and placing them in my Memory Palace, I’ve been able to recall processes more quickly during practice exams.

2. Combating Procrastination
Nelson’s journey highlights the value of consistent practice. Memory champions don’t become experts overnight; they build their skills gradually. I’ve started applying this mindset by dedicating focused time blocks to studying, even when I don’t feel motivated. Small daily wins have added up, boosting my confidence for March.

Four Pillars of Brain Health

Nelson emphasizes that memory isn’t just about techniques — it’s also about maintaining a healthy brain. His approach includes:

1. Mental Stimulation: Practice memory exercises like recalling formulas or creating acronyms for key concepts. I now treat these as brain workouts, akin to going to the gym.
2. Physical Activity: Regular exercise improves blood flow to the brain. Adding short walks to my daily routine has helped clear my mind and improve focus.
3. Social Engagement: Connecting with others keeps the brain sharp. Study groups have become a way for me to reinforce what I’ve learned while benefiting from different perspectives.
4. Healthy Diet: Foods rich in omega-3s, like salmon, are essential. I’ve incorporated more of these into my diet, along with DHA supplements, to support brain function.

Lessons for Independent Learners

Failing a test was never part of my identity. But this experience has taught me that learning isn’t about proving what you already know — it’s about growing from your struggles. Here’s how I’m integrating these lessons into my life and goals:

• Create a Study Plan: My study plan now revolves around Memory Palaces, visualization, and regular self-assessment.
• Experiment and Reflect: Each week, I challenge myself to memorize something new, from financial terms to daily priorities, and reflect on my progress.
• Teach Others: Sharing these techniques with peers has reinforced my understanding and shown me the power of collaboration.

A Call to Action: Take the Extreme Memory Challenge

Nelson’s efforts to advance memory research through the Extreme Memory Challenge are inspiring. I encourage you to take the challenge (extremememorychallenge.com) and test your memory skills. Whether you’re a student, a professional, or simply curious, you’ll gain a new appreciation for the potential of your brain.

Final Thoughts

This experience has humbled me but also reignited my determination. From visualization to Memory Palaces, Nelson’s techniques have given me tools to tackle the CFP exam and beyond. I’m confident that with these strategies, I will CRUSH this damn test in March 2025. Learning how to learn is a journey, and I’m grateful for this second chance to embrace it fully.

What will you challenge yourself to remember today? Let’s talk in the comments!