I have been studying for FRM and did part time MSc . I usually wake up at 7:30 and work until 6:00. Reach home at 7:00 and by the time I had tea, tv, shower , dinner etc etc, it is usually 9:30 . I study until 12:30 and then go to bed. The there are weekends where I devote at least 4 hrs a day. I usually hit the gym only 3 -4 days a week only. So the days when I go to GYM , my wife cooks for me so no cut in hours there.So total time of study :2hrs daily ( x5 )15mins in the train 8 hrs on weekendSo I get 20hrs almost..NOW THIS IS THE BEST TIP I GOT FROM A FRIEND AND IT WORKDS.NOW THIS IS THE BEST TIP I GOT FROM A FRIEND AND IT WORKS. USE THE TIME IN TUBES/TRAINS TO CATCH UP WHAT YOU STUDIED LAST NIGHT. This helps me a lot. You do not need to concentrate hard which you can not do in the tube anyway but you can refresh yourself with last night study and helps to continue your studies tonight.