New to Tiller (signed up July 2021), but not new to spreadsheets, accounting, and finance. Intermediate MS Excel level, but a noob when it comes to Google spreadsheets. Can’t do VBA, but will soon start learning Python. Have a Masters in accounting, public administration, and, soon, a third in finance. Have worked on annual operating budgets of several hundred million in the public sector. Views expressed are my own. Love that the Tiller community is so very helpful, collaborative, and friendly when it comes to common problem-solving.