Serious advice please..
I am lost and broke.

I have been failing SG CA professional exams. Tried FR twice & Assurance once.
I am a non accounting graduate who have completed SG CA foundation exams.

I am wondering, are these failures due to a knowledge gap from my background or perhaps my own competency level.

I am contemplating to either (1) take up masters in accounting to fill up this knowledge gap and reattempt (nowadays there are more exemptions granted?), (2) take up other professional qualifications i.e cpa aus to close off this chapter of my life, (3) change of work if perhaps not suited for accountancy line.(Without CA, progression likely cap off at Senior Manager..)