Choosing the right modeling course is critical to success in commercial real estate. You need a tight grip on best practices, theory, and spreadsheet techniques… because you’ll need to be quick and agile to beat the competition. Whether you’re a student breaking in, making a career change, or a real estate entrepreneur, there’s a course for you. In this guide I rank and review the 15 best real-estate financial modeling courses, as well our top 4 choices so you can pick what’s best for you.
Our Top Picks
Best Overall
Price (High): $497
Required Level: Intermediate
Concepts: 50+
Best for Starters
Price (High): $497
Required Level : Beginner
Concepts: 100+
Best for Public Sector Investing
Price (High): $46
Required Level : Beginner
Concepts: 50+
Have you dreamed of pumping out tier-1 models faster than you can say year-end bonus?
Want to churn out IRRs on 10+ opportunities a day and maximize return on investment?
Here’s a secret: anybody can do it with the right course.
Choosing a course isn’t as simple as signing up for an econ class. You need to consider duration, price, scope of curriculum, discounts, concepts & formulas covered, mediums like video and textbooks, and prereqs.
After all, a 12-week course won’t cut it if you have an interview this Friday.
The best course will make you 3 things: confident, correct, and quick. You should exit with an arsenal of shortcuts and formulas, as well as airtight understanding of investing principles.
This guide covers the best options based on 10 criteria:
- Price
- Duration
- Schedule Flexibility
- Scope of Curriculum
- # of Concepts & Formulas Covered
- Coursework Focus
- Mediums (Video, Text, Quizzes)
- Workbook Downloads
- Level (Beginner, Intermediate, Advanced)
- Learning Objective (Job Placement, Decision-Making, Entrepreneurship)
What’s the best real-estate financial modeling course?
Here are my top picks for the best real-estate modeling course:
- Corporate Finance Institute – Real Estate Financial Modeling Course
- Breaking Into Wall Street – Real Estate Modeling
- Real Estate Financial Modeling – REFAI Certification
- Bocconi via Coursera – Financing and Investing in Infrastructure
- MIT – Real Estate Financial Analytics
- Northwestern – Real Estate Finance and Investment Online Short Course
- NYU – Real Estate Financial Modeling Essentials
- Adventures in CRE – Accelerator 2.0
- Rice – Real Estate Investment and Development
- Wall Street Prep – Real Estate Financial Modeling Course
- Udemy – Fundamentals of Analyzing Real Estate Investments
- Cornell – Real Estate investment Modeling
- Mazars – Financial Modeling Techniques for Real Estate Development
- Udemy – The Real Estate Financial Modeling Bootcamp
- Top Shelf Academy – Excel for Real Estate
Corporate Finance Institute – Real Estate Financial Modeling Course
Best Overall
My Take
CFI’s Real Estate Modeling course is ideal for building elegant, high-quality models that you can share with the whole team. There’s a saying in finance, “communication over complexity,” and CFI takes that saying to heart. It’s also cost-effective at $497 for a full-year subscription (vs. Breaking Into Wall Street’s one-time $497) that provides access to a suite of courses you can leverage into job placement and beyond. You can also knock this course out in a weekend, grabbing a certification from a reputable source and hone 50+ hard techniques.
Our rating: 9.80 / 10
Price | $497 |
Duration (est. hrs) | 7 est. hours |
Schedule flexibility | Self paced |
Level | Intermediate |
Concepts & Formulas Covered: | 50+ |
Coursework Focus: | Comprehensive |
Workbook(s) Download: | Yes |
Learning Objective: | Job placement |
- Scope: Models, Finance concepts (i.e TVM), Excel formatting, financial formulas, & non-financial formulas
- Mediums: Video, Text, Quiz, Excel Workbooks
What I Like & Dislike
Like
- CFI is truly a leader in high-quality visual models
- This course is part of a larger, recognized Financial Modeling & Valuation Analyst (FMVA)® Certification
- The subscription is the same price as many one-time purchase offers and provides access to a suite of courses
- At 7 hours, you can complete this in a weekend
Dislike
- Not suitable for those who want to tranquility of a one-off purchase
- The video content can be high-level in some cases
The Bottom Line
CFI’s real estate modeling course is ideal for those who want elegant models meeting industry standards in real estate and beyond, in only 7 hours.
Breaking Into Wall Street – Real Estate Modeling
Best for Starters
My Take
BIWS’ Real Estate Modeling course checks almost all the boxes. At only 37 hours, it’s in the 64th percentile within the peer group. Despite the short duration, it packs a comprehensive blend of basic real-estate theory spread across 100+ concepts and formulas, all geared towards job placement. Use this course to rapidly prepare for an interview or to upskill in a matter of days or weeks.
Our rating: 9.73 / 10
Price | $497 |
Duration (est. hrs) | 37 |
Schedule flexibility | Self paced |
Level | Beginner |
Concepts & Formulas Covered: | 100+ |
Coursework Focus: | Comprehensive |
Workbook(s) Download: | Yes |
Learning Objective: | Job placement |
Scope: Models, finance concepts (i.e TVM), Excel formatting, financial formulas, & non-financial formulas
Mediums: Video, Text, Quiz, Excel Workbooks
What I Like & Dislike
Like
- Strong blend of basic real-estate concepts with step-by-step training so you can reproduce what you learn AND understand it
- At $497, this course is less than half of the average price
- The curriculum walks you from beginner to advanced
Dislike
- Does not provide extended resources covering ALL property type combinations (5,413).
- Does not cover ARGUS
- Does not cover non-REIT analysis
The Bottom Line
Breaking into Wall Street’s Real Estate Modeling course is perfect for those who want a crash-course in modeling to ace the interview and lay strong fundamentals you can build on afterward.
Real Estate Financial Modeling – REFAI Certification
Best for Certificate
My Take
REFM is the most well-known option on our list. It’s been around for over a decade and has gone so far as to provide a physical textbook to accompany the course. If you’re military or a student, this course will run you just under $600 and $1,499 otherwise, which makes sense given the 250+ topics covered and 60-hour time commitment required. This one is not for the faint of heart and is not suitable for learners looking for a hit-the-ground-running short course. That said, if you’re really serious about breaking into the business, the REFAI Certification is for you.
Our rating: 9.52 / 10
Price | $599 – $1,499 |
Duration (est. hrs) | 60 est. hours |
Schedule flexibility | Self paced |
Level | Advanced |
Concepts & Formulas Covered: | 250+ |
Coursework Focus: | Comprehensive |
Workbook(s) Download: | Yes |
Learning Objective: | Job placement |
- Scope: Models, Finance concepts (i.e TVM), Excel formatting, financial formulas, & non-financial formulas
- Mediums: Video, Text, Quiz, Excel Workbooks, Textbook
What I Like & Dislike
Like
- REFM has a very strong reputation for its rigor, and your certificate will certainly mean something in the market
- Curriculum includes a textbook and online materials, which makes REFM the only one to do so on our list
- This course’s price-to-content ratio is better than 57% of all others on the list, which is uncommon for a large player
Dislike
- Not suitable for those who want a quick crash course
- No suitable for those with interviews coming up
The Bottom Line
REFM is the best course for acquiring a reputable certification for those with minimum 2 weeks to invest.
Bocconi via Coursera – Financing and Investing in Infrastructure
Best for Public Sector Investing
My Take
Bocconi’s investing in infrastructure course takes a unique twist on CRE. Though its content checks boxes for practical Excel techniques, the angle starts with needs for investment in European infrastructure. At only $46 and 11 hours, this option is strong for those wanting to move into think-tank style real-estate investing, or working for the U.S. Department of Commerce or the European Investment Bank.
Our rating: 9.40 / 10
Price | $0 – $46 |
Duration (est. hrs) | 11 est. hours |
Schedule flexibility | Self paced OR Instructor Led |
Level | Beginner |
Concepts & Formulas Covered: | 50+ |
Coursework Focus: | Comprehensive |
Workbook(s) Download: | No |
Learning Objective: | Job placement |
- Scope: Models, Finance concepts (i.e TVM), Excel formatting, financial formulas, & non-financial formulas
- Mediums: Live, Video, Text, Quiz
What I Like & Dislike
Like
- Unique public-sector angle is one of a kind
- Very affordable
- Taught through Coursera’s leading platform
- Optional self-paced schedule OR instructor led, a flexibility that no other course provides
Dislike
- Not suitable for those interested in a traditional CRE career path
- Not suitable for those looking for a industry-recognized certification
The Bottom Line
Bocconi’s Financing & Investing in Infrastructure is best for those interested in public sector investing with the US Federal Government or European Union.
MIT – Real Estate Financial Analytics
Best for Advanced Professionals
The Massachusettes Institute of Technology’s real estate modeling course via getsmarter is a serious investigation into decision making. Though technical, this course focuses on integrating modeling into a larger investment decision making process. Its angle is risk management, with particular attention to tenant expectations and sustainability. At $2,299, it has the highest price tag on our list — which is why it’s instructor led over 6 weeks with 45 hours of total course time.
You’d be hard pressed to find another course with such an acute equilibrium between theory and practice. That said, this one is for experienced professionals, so students should steer clear.
Our rating: 9.37 / 10
Price | $2,299 |
Duration (est. hrs) | 45 est. hours |
Schedule flexibility | Online Lectures |
Level | Advanced |
Concepts & Formulas Covered: | 10+ |
Coursework Focus: | Focus on Theory & Principles with Technical |
Workbook(s) Download: | No |
Learning Objective: | Investment decision making |
- Scope: Investing philosophy, best practices, case studies, finance concepts (i.e TVM), models
- Mediums: Video, Text, Assignments, Assessment
What I Like & Dislike
Like
- Best blend of practice and theory on the list
- Leverages Monte Carlo simulations to evaluate risk for advanced learners
- Instructor-led
- Online course doesn’t require your presence like other University courses
Dislike
- Very pricey
- Not suitable for beginners
- Not suitable for self-paced learning
The Bottom Line
MIT’s modeling course is ideal for experienced professionals who want to weave technique into theory from some of the world’s brightest minds.
Northwestern – Real Estate Finance and Investment Online Short Course
Best for Theory & Principles
If you already feel confident in Excel but want perspective with investing theory and principles, Northwester’s short course via getsmarter is right for you. Like MIT’s course, learners with several years industry experience are ideal for this course. At just over $2k and 48 total hours of course time, it’s a serious investment, but its instructor-led method justifies the price.
Our rating: 9.27 / 10
Price | $2,299 |
Duration (est. hrs) | 48 est. hours |
Schedule flexibility | Online Lectures |
Level | Advanced |
Concepts & Formulas Covered: | 10+ |
Coursework Focus: | Theory & Principles |
Workbook(s) Download: | No |
Learning Objective: | Investment decision making |
- Scope: Investing philosophy, best practices, case studies, finance concepts (i.e TVM)
- Mediums: Video, Text, Assignments, Assessment
What I Like & Dislike
Like
- Best for theory course
- Instructor-led from Northwestern’s top profiles
- Online course doesn’t require your presence like other University courses
Dislike
- Pricey
- Not suitable for beginners
- Not suitable for self-paced learning
The Bottom Line
Northwestern’s real estate course is best for mid-career professionals confident in their technical skills but lack core investing theory.
NYU – Real Estate Financial Modeling Essentials
Best Live Course
NYU’s take on real-estate is heavily focused on technical skills. It comes in at less than half the price of MIT and Northwestern, and provides the flexibility of choosing whether to follow an instructor or take the course at your own pace. It’s also only 20 hours, supporting the focus on technical and not theory. It’s our top choice for a live course mainly because it’s accessible financially and time-wise.
Our rating: 9.26 / 10
Price | $795 |
Duration (est. hrs) | 20 est. hours |
Schedule flexibility | Self paced OR Instructor Led |
Level | Beginner |
Concepts & Formulas Covered: | 30+ |
Coursework Focus: | Comprehensive |
Workbook(s) Download: | No |
Learning Objective: | Job placement |
- Scope: Models, Finance concepts (i.e TVM), Excel formatting, financial formulas, & non-financial formulas
- Mediums: Live, Video, Text, Quiz
What I Like & Dislike
Like
- Optional live versus self paced study
- Less than half the price of other university-branded courses
- 20 hours is less than half of most other university courses
Dislike
- Not suitable for those who want a hyper-focused practical course
The Bottom Line
This is the right choice for those who want an affordable live course from a reputable university.
Adventures in CRE – Accelerator 2.0
Best for 1-Year Timeline
Adventures in Commercial Real Estate developed Accelerator 2.0 as a fast-track prep course for those going directly into a job or entrepreneurship, and it can be completed in 2-weeks full time. That said, the curriculum is designed for consumption up to 1 year, which makes it ideal for young professionals breaking into real estate who want to improve on the side of their full-time job.
The price ranges from $597 for 17 case-based modeling courses and goes up to $1,297 for advanced waterfall, real-estate debt modeling and others.
Our rating: 9.19 / 10
Price | $597 – $1,297 |
Duration (est. hrs) | 100 est. hours |
Schedule flexibility | Self paced |
Level | Beginner |
Concepts & Formulas Covered: | 350+ |
Coursework Focus: | Comprehensive |
Workbook(s) Download: | Yes |
Learning Objective: | Job placement or Entrepreneurship |
- Scope: Models, Finance concepts (i.e TVM), Excel formatting, financial formulas, & non-financial formulas
- Mediums: Video, Text, Quiz, Excel Workbooks
What I Like & Dislike
Like
- Active Q&A within the course for feedback in a self-paced environment
- Ideal for schedule flexibility up to 1 year
- 1 of only 2 course whose curriculum targets job placement AND entrepreneurship
- Down-to-earth teaching style
Dislike
- You only have access for one year
- At 350+ concepts and formulas covered, Accelerator 2.0 has the highest content density on our list and may not be suitable for those who want a short course for short-term interview prep
The Bottom Line
AdventuresinCRE’s Accelerator 2.0 is a great choice for students or working professionals who want to study over a period of several months while holding a full time job/course schedule.
Rice – Real Estate Investment and Development
Best for Real-Estate Entrepreneurs
Rice’s Real Estate Investment and Development course is crafted with entrepreneurs in mind. Its purpose is to provide perspective on the ecosystem for developers, agents, brokers, and property managers. Because of the curriculum angle, the focus shifts away from “pure” modeling and instead looks at factors that experienced professionals should consider including in their models. It’s not for beginners, which is a key reason we rank it in the second half of the list.
Our rating: 9.13 / 10
Price | $2,575 – $2,575 |
Duration (est. hrs) | 68 est. hours |
Schedule flexibility | Online Lectures |
Level | Advanced |
Concepts & Formulas Covered: | 8+ |
Coursework Focus: | Entrepreneurship & Development |
Workbook(s) Download: | No |
Learning Objective: | Investment decision making |
- Scope: Investing philosophy, best practices, finance concepts (i.e TVM), models
- Mediums: Video, Text, Assignments, Assessment
What I Like & Dislike
Like
- Provides insights into the real-estate ecosystem for those who only see one “angle” (brokers, owners, agents, etc)
- Focus on helping entrepreneurs, not job placement
Dislike
- Not suitable for those who want a short course to land a CRE job
The Bottom Line
If you’re a player in the real-estate market who wants to up their game while learning some modeling, then this course is for you.
Wall Street Prep – Real Estate Financial Modeling Course
Best for Templates
Wall Street Prep’s course is a diamond in the rough. It’s a lifetime-access platform with loads of downloadable workbooks including multifamily, office, retail, industrial properties, including JV & Waterfall Modeling. If you’re looking for templates, then this one’s for you. That said, it’s not appropriate for absolute beginners, and the total curriculum time is short at 20 hours, so its better used as an ongoing resource than a crash course like BIWS’ course.
Our rating: 9.11 / 10
Price | $499 |
Duration (est. hrs) | 20 est. hours |
Schedule flexibility | Self paced |
Level | Intermediate |
Concepts & Formulas Covered: | 250+ |
Coursework Focus: | Comprehensive |
Workbook(s) Download: | Yes |
Learning Objective: | Job placement |
- Scope: Models, Finance concepts (i.e TVM), Excel formatting, financial formulas, & non-financial formulas
- Mediums: Video, Text, Quiz, Excel Workbooks
What I Like & Dislike
Like
- Large bank of Excel models for various scenarios with a high degree of quality
- Second highest number of concepts and formulas covered on our list
- Accessible price point
Dislike
- Not suitable for beginners as the content is too advanced
- Not suitable as a modeling crash course before an interview
The Bottom Line
If you’re in the market for a course with many templates you can access forever, then Wall Street Prep’s course will work for you.
Udemy – Fundamentals of Analyzing Real Estate Investments
Best for Flipping & AirBnb
Symon He’s course on Udemy for $84.99 is a quick way to get your feet wet in real estate analysis and modeling. It uses a down-to-earth approach designed to help those with limited or no experience how to think about investments for their professional or entrepreneurial endeavors.
This course starts with a heavy dose of basic theory, making it perfect for beginners. And at only 20 hours, you can easily knock it out before an interview. Moreover, it has dedicated sections for fix & flipping houses as well as evaluating AirBnb properties.
Our rating: 9.11 / 10
Price | $16.99 – $84.99 |
Duration (est. hrs) | 20 est. hours |
Schedule flexibility | Self paced |
Level | Beginner |
Concepts & Formulas Covered: | 75+ |
Coursework Focus: | Focus on Excel |
Workbook(s) Download: | No |
Learning Objective: | Job placement or Entrepreneurship |
- Scope: Models, Finance concepts (i.e TVM), Excel formatting, financial formulas, & non-financial formulas
- Mediums: Video, Text, Quiz
What I Like & Dislike
Like
- Quick, easy intro course
- Covers AirBnb properties
- Curriculum is appropriate for beginners
Dislike
- Not suitable for experienced professionals
- Not ideal for those looking for a crash course before an interview because it’s geared towards entrepreneurship
The Bottom Line
If you’re interested in fix & flip projects or AirBnb, this Udemy course is good for you.
Cornell – Real Estate investment Modeling
Best for ARGUS Modeling
Cornell’s real estate investment modeling course is a good option for those who want a focus on ARGUS modeling, so it’s best for advanced learners. Moreover, it’s a live course held online, which really drives home the material on ARGUS.
Our rating: 9.09 / 10
Price | $3,900 |
Duration (est. hrs) | 15 est. hours |
Schedule flexibility | Online Lectures |
Level | Advanced |
Concepts & Formulas Covered: | 100+ |
Coursework Focus: | Comprehensive |
Workbook(s) Download: | No |
Learning Objective: | Job placement |
- Scope: Models, Finance concepts (i.e TVM), Excel formatting, financial formulas, & non-financial formulas
- Mediums: Live, Video, Text, Quiz
What I Like & Dislike
Like
- Best course for ARGUS modeling — some others include it but only indirectly
- Courses come from a live professor online
Dislike
- At $3,900, this course is the most expensive on our list
The Bottom Line
If you want to hone your ARGUS modeling skills, Cornell’s course is best for you.
Mazars – Financial Modeling Techniques for Real Estate Development
Best for Industry-Standard Training
You may have heard of the “Big 4” financial services firms (PwC, EY, KPMG, Deloitte), but you may not have heard of the runners up. Mazars is a French-grown financial services firm with a lot of weight in the industry, which means they set many of the standards in the industry for auditable modeling. If you’re looking to grow in the real-estate branch of a large corporation, then this is the best course for you because it will teach you how to model for audits, not just decision-making.
Our rating: 9.06 / 10
Price | $1,000 (Estimated) |
Duration (est. hrs) | 16 est. hours |
Schedule flexibility | Online Lectures |
Level | Intermediate |
Concepts & Formulas Covered: | 30+ |
Coursework Focus: | Comprehensive |
Workbook(s) Download: | No |
Learning Objective: | Job placement |
- Scope: Models, Finance concepts (i.e TVM), Excel formatting, financial formulas, & non-financial formulas
- Mediums: Live, Video, Text, Quiz
What I Like & Dislike
Like
- Big international brand name on the course
- Comprehensive coursework to teach you skills from A-Z
Dislike
- Pricing is opaque and only available upon request
- Material is only appropriate for intermediate learners, not absolute beginners
The Bottom Line
If you want a big brand, industry standard training for a corporate path, this is the best course for you.
Udemy – The Real Estate Financial Modeling Bootcamp
Best Short Excel-Focused Course
Another course on Udemy, this one by Justin Kivel takes an extreme hands-on approach as suggested by “bootcamp” in its title. It’s purpose is to help beginners start building functional, dynamic models… super fast.
Our rating: 9.03 / 10
Price | $20 – $85 |
Duration (est. hrs) | 10 est. hours |
Schedule flexibility | Self paced |
Level | Beginner |
Concepts & Formulas Covered: | 90+ |
Coursework Focus: | Focus on Excel |
Workbook(s) Download: | No |
Learning Objective: | Job placement |
- Scope: Models, Finance concepts (i.e TVM), Excel formatting, financial formulas, & non-financial formulas
- Mediums: Video, Text, Quiz
What I Like & Dislike
Like
- Hands-on approach is effective for skill building
- Down-to-earth teaching method is enjoyable
Dislike
- Some of the materials are too introductory for those with experience in the field
The Bottom Line
If you want a short, Excel-focused course that’s enjoyable and accessible for beginners, this one’s for you.
Top Shelf Academy – Excel for Real Estate
Best for Formula-Only Focus
It’s easy to summarize Top Shelf’s modeling course: a big list of functions you need. At $225, it’s very accessible and worth it for anyone who wants to expand their arsenal of formulas.
Our rating: 8.29 / 10
Price | $225 |
Duration (est. hrs) | 2 est. hours |
Schedule flexibility | Self paced |
Level | Intermediate |
Concepts & Formulas Covered: | 130+ |
Coursework Focus: | Focus on Excel Functions |
Workbook(s) Download: | No |
Learning Objective: | Job placement |
- Scope: Excel formatting, financial formulas, & non-financial formulas
- Mediums: Video, Text, Quiz
What I Like & Dislike
Like
- Simple approach makes this course easy to get through
- Price point is the most accessible on our list barring Udemy
Dislike
- Lacks instructive theoretical materials in favor of formula-only approach
The Bottom Line
Readers who want a formula-centered course should go with Top Shelf.
FAQ
Frequently Asked Questions
What is financial modeling in real-estate?
Financial modeling in real-estate is the process of modeling income, expense, risk and return for a given property investment on the basis of assumptions and market data. It helps remove intuition from purchases and streamlines sometimes 100s of criteria into one output.
How do I start financial modeling?
The best way to start is to look at examples case studies and try to reproduce the results on Excel yourself. Virtually all of the courses on our list use this approach.
How long does it take to learn financial modeling?
You can build your first model in a few hours, but it usually takes several months of practice to become proficient and dependable in a professional setting.
What skills do you need for financial modeling?
Obviously, you need to be good at Excel and have an understanding of basic math. Financial models require you leverage Excel formulas,
Is financial modeling hard?
The truth is anyone can get good at financial modeling because Excel makes it more about practice than talent. It’s not easy to do, but it’s also not so difficult that only a select group can succeed, as with physics or mathematics.
Are financial modeling courses worth it?
Absolutely. Financial modeling is a technical skill that can be easily taught using examples.
How much does a financial modeling course cost?
The average price for a modeling course on our list is $1,099, with prices as low as $16.99 and as high as $3,900.
What are the “rules” of real-estate investing?
Each of these rules is involved in modeling investments, as they guide return and cost expectations:
- Rule of 65: distributions from an estate to beneficiaries must occur within 65 days after the end of the year.
- 80% Rule: 80% of value comes from 20% of work (properties).
- 4% Rule: you should be able to extract 4% of your retirement savings in real estate each year for 30 years.
- 50% Rule: investors should expect a property’s operating expenses to be roughly half of the total income.
- Rule of 72: you can estimate the number of years a real estate investment will need to double by dividing 72 by the interest rate.
- 70/30 Rule: expenses should never be more than 70% of gross income.
What are the 4 P’s of real estate?
People, price, promotion, and product. These elements are core inputs for any real estate investment opportunity.
Summary
We’ve had a detailed look at 15 real estate modeling courses, each with its pros and cons. At the end of the day, each one is ideal for one learner and terrible for another. You’ll have to choose the one that best suits your needs. Here’s a summary table one last time. Click one and get started!
Institution | Best for… |
Breaking Into Wall Street | Best for Crash Course before Interview |
Corporate Finance Institute | Best for Elegant Models |
Real Estate Financial Modeling | Best for Certificate |
Bocconi via Coursera | Best for Macroeconomic View |
MIT | Best Theory-Practice Blend |
Northwestern | Best for Theory & Principles |
NYU | Best Live Course |
Adventures in CRE | Best for 1-Year Timeline |
Rice | Best for Real-Estate Entrepreneurs |
Wall Street Prep | Best for Templates |
Udemy | Best for Flipping & AirBnb |
Cornell | Best for ARGUS Modeling |
Mazars | Best for Industry-Standard Training |
Udemy | Best Short Excel-Focused Course |
Top Shelf Academy | Formula-Only Focus |
Conclusion
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