CMA vs CPA 2024: Don't Make the Wrong Choice!

CMA vs CPA 2024: Don't Make the Wrong Choice! // In this exciting video, I’ll provide you with detailed information on the requirements to obtain the CMA and CPA certifications. I’ll explore the differences between the two certifications, highlighting the areas of focus and the benefits each can bring to your professional career.
But that's not all. I’ll also discuss the career prospects for professionals with CMA and CPA certifications, giving you an insight into the growth opportunities and roles you can expect in the field of accounting and finance.
So make sure to stay until the end, as this video promises to be informative, entertaining, and filled with valuable insights for those considering a career as a CMA or CPA. You won't want to miss it!
RESOURCES & LINKS MENTIONED IN THIS VIDEO:
👉 Get a free copy of my CMA exam secrets cheat sheet here:
bit.ly/3kMJp1L
--------------------
CMA EXAM COACHING: Want to pass your CMA exam on your first attempt? CMA Exam Academy is accepting new students who are seriously ready to become CMAs. Nathan Liao (aka the CMA Coach) has coached over 37,000 CMA candidates who came knocking at his door seeking guidance. And just like them, Nathan is here to show you how you can also pass the CMA exam on your first attempt without wasting money or time. For details, click here:
bit.ly/2MiHPX0
--------------------
Chapters:
0:00 Intro to the topic: CMA or CPA
0:20 Meaning and differences between CMA and CPA
2:35 CMA Requirements
3:11 CPA Requirements
4:32 CMA Exam Parts
5:00 CPA Exam Sections
5:52 Free CMA Exam Cheat Sheet
6:10 Career and Salary Potential as a CMA
6:48 Career and Salary Potential as a CPA
8:15 Which One Should You Choose - CMA or CPA?
--------------------
SAY HI ON SOCIAL
Instagram: / cma_coach
Facebook: / cmacoach
LinkedIn: / nathanliao
Twitter: / cma_coach
TikTok: / cmacoach
Clubhouse: www.joinclubhouse.com/club/cm...
Listen to The CMA Show PODCAST here:
cmaexamacademy.com/podcasts/
#cmacoach #cmaexamacademy #cmaexam #cma #accounting #finance #NathanCMAcoach #managementaccountant #accountant

[@Cmacoach]

Are you Team CMA or Team CPA? Comment below!

[@coreylaukhuf3141]

I'm currently studying for the CMA. I like the prestige of the CPA better, but I like the content of the CMA better. I believe it's more applicable especially in industry.

[@Cmacoach]

Hey Corey, totally get where you're coming from! Both certifications have their strengths, and it really boils down to where you see your career heading and what aligns with your interests.

[@rebecagonsalves9371]

You explain so well Nathan! Thanks for inspiring!

[@Cmacoach]

Hi Rebeca. Thank you! It's always a pleasure to assist and inspire future CMA professionals. If you have any more questions, I'm here to help.

[@TheCMASHOW]

Been waiting for your video Nathan. Great work again. A true inspiration.

[@Cmacoach]

Thank you for watching! I'm back!

[@azmat3015]

Thank you so much Nathan your lecture help me a lot for successfully clearing CMA part 2 exam..

[@Cmacoach]

That's music to my ears! Congratulations on passing your CMA exam! Sending you a virtual high five! 🙌

[@misterj3133]

I'm team both! But I think the CMA is most applicable to what most accountants actually do for work.

[@Cmacoach]

Team both! Love it! Which one has helped you the most in your current role?

[@domingosdearaujobobo9312]

This explanation made me more clear.

[@user-hh9wf6le7s]

it is good explination, thanks

[@Cmacoach]

Thanks for your feedback, and for watching the video.

[@user-xf3ly2rj3q]

Great Nathan appreciate 👏

[@Cmacoach]

Thank you! Let me know if you have any questions.

[@luiscalderon9019]

I just earned my CMA a few weeks ago, after earning my CPA 4 years ago ❤

[@Cmacoach]

Hi Luis. Congratulations on earning your CMA, and having your CPA as well is a remarkable achievement! This year, we've launched our CPE platform. Check out www.cpeflow.com for all your CPE course needs. Get 50% off on our first course on our platform. No coupon code required. More courses will be released throughout the year to help you complete your CPE credits. If you have any questions, let me know!

[@hoangthai2010]

Thanks you so much

[@Cmacoach]

Happy to help!

[@coreylaukhuf3141]

My plan is to complete the CMA and the EA and start my own bookkeeping business.

[@Cmacoach]

Starting your own bookkeeping business with these credentials will definitely give you a competitive edge. Best of luck with your certifications and your entrepreneurial journey!

[@papaeditz55]

What is meaning of EA?

[@coreylaukhuf3141]

It stands for Enrolled Agent. Licensed tax expert and highest title given by the IRS. @@papaeditz55

[@mrmartywaring]

I'm ready to begin my CMA journey

[@Cmacoach]

Hi. Sounds like a plan. Whenever you're ready to embark on this exciting journey with us, click on this link to direct you to our website: cmaexamacademy.com/product/premium-cma-coaching-combo-part-1-part-2/ Don't hesitate to reach out in the meantime if you have any questions. Happy to help future CMAs like yourself.

[@mrmartywaring]

@@Cmacoach thanks, will do!

[@user-pl4nx2bt5u]

This was a good review. CMA is very efficient and easier to get compared to the CPA. There are too many requirements for CPA and the exams are a nightmare for many folks. The worst part is, you can’t even take the CPA exam until you have sufficient accounting credits and need a masters to be fully licensed (once you passed all 4 exams within the 18 month window). That could cost another 25-100k, depending on the school. Most people who get the CPA never fully use it and end up working in corporation anyway. So for most people, CMA is more efficient and practical. Faster (6 months to a year) and cheaper to get, only two exams that are narrowly focused on management accounting. Also you don’t need an accounting degree, just bachelor in any field and you can sign up right away. Another thing, CMA is recognized globally (you can even work in Dubai, and they respect it there).

[@Cmacoach]

Hi. Appreciate your insights! It's true, the CMA offers a practical and quicker path for many professionals, emphasizing management accounting skills that are highly valued across industries and countries. I concur with your perspective, thanks again for sharing it.

[@yousufff1154]

Hey Bro , Can you tell me about job roles after Cma in Dubai ? And salary range ?

[@Cmacoach]

Hi Yousuf. I have an awesome resource that’ll give you a lot more information about career and salary potential as a CMA. Check it out here cmaexamacademy.com/certified-management-accountant-salary-in-the-usa/ref/nathan/ If you have any questions, don’t hesitate to reach out.

[@naturalcurequest4878]

Nathan, I recently signed up for the Becker CMA prep course because I was able to get it through my work at a huge discount however I really wanted to sign up for your program. Is there a way that I can purchase just the 16-week study syllabus so I know what I should focus on from week to week from you or do you have to buy the entire package?

[@Cmacoach]

Hi. Thanks for your question. I have received your email as well so I'll be reaching out to you directly via email. Thanks.

[@mayphengvongsa1725]

I respect both but since I enjoy the content of the CMA more, I will put myself on Team CMA.

[@Cmacoach]

Both are definitely fantastic certifications but there’s usually a preference. Glad to hear that you’ve picked yours :)

[@matthaios9143]

Did you know that AICPA doesn't stand for the "American Institute" of Certified Public Accountants? It's now the Association of International Certified Public Accountants. It's at the bottom of their website. I'm a CPA working in Mergers & Acquisitions. I started in tax.

[@Cmacoach]

Hi. Thanks for pointing that out. This is what I read on their website: This site is brought to you by the Association of International Certified Professional Accountants, the global voice of the accounting and finance profession, founded by the American Institute of CPAs and The Chartered Institute of Management Accountants.

[@LexZveroboy]

Hi Nathan. Sorry, I didn't get what the "Professional accounting certification" required except a bachelor's degree for the CMA certificate? Thanks.

[@Cmacoach]

Hi. Thank you for your question. CMA educational requirements can be fulfilled in two ways: 1. Earn a bachelor’s degree from an accredited college or university 2. Have a professional certification Also, CMA does not require you to have a bachelor’s degree in finance or accounting. But your degree must come from a regionally accredited or Distancing Education Accrediting Commission (DEAC) accredited university or college. You can check if your institution is accredited here: univ.cc/world.php If you cannot locate your college or university on the accredited listing, contact IMA at [e-mail]. You can learn more about all requirements here: cmaexamacademy.com/cma-certification-requirements/ref/nathan/

[@goldentouch-accountingandf7068]

Hi Nathan, after gaining the CMA certification I'm thinking to go back to CPA or go for the ACCA certification, I have a bad experience in CPA after failing to pass its tough exams.. CSCA surely is a next step for me, but what do you recommend CPA or ACCA?

[@Cmacoach]

Hi. After obtaining the CMA USA certification, the choice of complementary courses depends on your professional goals. If you are looking for opportunities in taxation and auditing, CPA USA is an excellent choice. Consider your interests and goals to make the best decision. In my blog you can find some articles related to the subject, like this one: cmaexamacademy.com/cma-vs-cpa/ Also, I wrote an article on my blog about CSCA certification, you can read it here: cmaexamacademy.com/csca-certification/

[@loveofmine3715]

CMA ❤

[@ManticBurrito]

I feel like a CMA would make more sense for me and my career goals, but I worry that it doesn't have the same reputation as a CPA.

[@Cmacoach]

Hi Jessed. While the CPA does have a strong reputation, the CMA is highly regarded in areas of management accounting and corporate finance. What's most important is aligning the certification with your career goals. If the CMA aligns with your aspirations, it will help you stand out in your field. I wrote an article on my blog about both certifications. You can read it here: cmaexamacademy.com/cma-vs-cpa/

[@InfallibleProof]

@Cmacoach My current role is a Business Analyst. Do I have to change my role to get my CMA? I have over 15 years in an Analyst role. The job duties as an analyst have been mostly performing data analysis but not in accounting or finance. I do collect data that is given to the accounting/finance department.

[@Cmacoach]

Hi. With over 15 years as a Business Analyst, you may already meet the CMA experience requirements. If your role includes data analysis that contributes to financial decision-making, it could qualify. I recommend detailing your relevant job responsibilities and consulting with the IMA for confirmation on eligibility. I posted an article on my blog that explains each of the requirements, including the work experience requirements. You can read it here: cmaexamacademy.com/cma-certification-requirements/ref/nathan/ If you have any questions, don’t hesitate to reach out.

[@wizzer88]

Hi Nathan, I'm still conflicted with what to go for. I'm leaning CMA, because currently I'm a VP of FP&A with 18 years of experience and an MBA. But it seems like more companies especially in CA is asking for a CPA so its a tough decision. What do you think?

[@Cmacoach]

Hi. Given your role as VP of FP&A with 18 years of experience and an MBA, the CMA certification aligns well with your background, focusing on financial planning, analysis, and strategic decision-making. However, if you're noticing a trend in your industry or region (like CA) where a CPA is preferred, it's worth considering the CPA as well, especially if it opens up more opportunities for you. Both certifications have their unique strengths. The CMA may enhance your existing skills in FP&A, while the CPA could broaden your appeal to companies looking for that specific credential. You could also get both credentials over the course of your career. They're not mutually exclusive. I wrote an article on my blog where I talk about all the CMA careers you will be able to explore. Click here to read it: cmaexamacademy.com/cma-careers/ref/nathan/

[@kristacoleman4712]

I passed all 4 sections of my CPA exam this year (currently waiting on my state board to issue my license)! Do you recommend considering a CMA credential as well, or is that overkill? Thanks!

[@Cmacoach]

Hi Krista. Congratulations on passing all four sections of your CPA exam! Regarding the CMA credential, it's not necessarily overkill, but it depends on your career goals and interests. The CPA and CMA certifications have some overlap, especially in the areas of accounting and finance, but they also have distinct focuses. If your career goals involve management accounting, cost management, or working in corporate finance, the CMA can be a valuable addition to your credentials. It's particularly beneficial if you're interested in roles like VP of Finance, Controller, or CFO. I wrote an article on my blog about both certifications. You can read it here: cmaexamacademy.com/cma-vs-cpa/

[@haywardsmartin1923]

What was your strategy for passing FAR??

[@sanjivanikutwal6762]

Hey Nathan! Currently I’m pursuing CMA and I’m in second year of college. Will the CPA certification after this be more beneficial?

[@Cmacoach]

Hi. Pursuing CPA after CMA can indeed be beneficial, offering a broader range of opportunities in accounting and finance. The CMA focuses on management accounting, while the CPA covers a wider scope, including audit and taxation. This combination can significantly enhance your qualifications and career prospects. I wrote an article on my blog where I talk about all the CMA careers if this is something you'd like to explore further. Click here to read it: cmaexamacademy.com/cma-careers/ref/nathan/

[@madhuras2001]

Hey Nathan! Is it possible to complete US CMA part 2 syllabus within 8 weeks? (Graduated and non-working), coming from an engineering background. It's a little bit urgent as I am planning to appear for the exam in the month of October

[@Cmacoach]

8 weeks is possible if you study full time. Otherwise 16 weeks is preferred, especially for candidates without an accounting background. Faster isn’t always better. Give yourself the time you need to succeed the first time around :)

[@ivanhabadia6239]

I am a professional and my role is around finance operations - accounts payable, accounts receivable, and payments. What would be the best certification? CPA or CMA? Thank you!

[@Cmacoach]

Hi Ivan. Both CMA and CPA are valuable certifications, but they have different focuses and career implications. If you are interested in management accounting and strategic decision-making, CMA may be a better fit. If you are looking for a career in public accounting and auditing, CPA may be a better choice. I wrote an article on my blog about both certifications. You can read it here: cmaexamacademy.com/cma-vs-cpa/ref/nathan/ If you have any other questions, don't hesitate to reach out.

[@Antowan]

CMA serves my career goals. I prefer the more globally recognized certification and i work in corporate finance.

[@Cmacoach]

Hi Antowan. Great choice! The CMA is globally recognized and is a valuable certification for those in corporate finance. If you have any questions or need support in your preparation, feel free to reach out.

[@JaspreetKaur-wj6ce]

Do you get job after clearing us cma

[@Antowan]

@@JaspreetKaur-wj6ce it helped with my new role, but whether it is worth it or not depends on where you live and the most in demand skills.

[@amyB1977]

I have a bachelors degree in psychology and masters in organizational psycology but took a general business course and 2 accounting courses during undergrade. I've always worked in accounts receivable. Would your program teach me everything I need to know to pivot into and pass CMA certification?

[@Cmacoach]

Hi. Yes, our CMA Exam Academy program is designed to teach you everything you need to know to pass the CMA certification, even with a background in psychology and limited accounting courses. The program covers all the key areas of the CMA exam in detail and provides comprehensive materials and support to help you pivot into this field successfully. Your experience in accounts receivable will also be beneficial as you prepare. To get started, review our program here: cmaexamacademy.com/product/premium-cma-coaching-combo-part-1-part-2/ref/nathan/ If you have any further questions, I'm here to assist.

[@shanzykhan3387]

Team CMA

[@Cmacoach]

Have you completed your exams?

[@amytan8576]

I’m a CPA but now thinking to pursue a CMA.

[@Cmacoach]

Hi. That's a commendable decision! Pursuing a CMA certification in addition to being a CPA can significantly enhance your skill set, especially in areas like strategic financial management, decision analysis, and organizational performance. It offers a broader perspective that complements the accounting focus of the CPA. This combination can be quite powerful in the finance and accounting field. To help clarify all the steps to becoming a CMA, I wrote an article that will help you understand the entire process step by step. Here is: cmaexamacademy.com/how-to-become-a-cma-in-just-over-6-months/ref/nathan/ If you have any questions about the CMA program or need guidance, feel free to reach out.

[@chunyinpoon1202]

CMA as easy to get by comparing to CPA and this is a good start in accounting

[@Cmacoach]

Hi. Thank you for your perspective! The CMA certainly provides an efficient pathway to enter the field of accounting and finance.

[@chunyinpoon1202]

@@Cmacoach now, I am a bookkeeper in machine shop, just thinking how can I be CMA

[@Cmacoach]

The CMA journey can be confusing, at first. To help clarify all the steps, I’ve written an article to help candidates like you understand the entire process step by step. Here it is cmaexamacademy.com/how-to-become-a-cma-in-just-over-6-months/ref/nathan/ If you have any follow up questions, don’t hesitate to reach out :)

[@marcorusso6628]

nice video. I am working already as controller in a company in Germany. Can CMA help me to develop in my career ? can also be useful to move to consulting in M&A? Thanks

[@Cmacoach]

Hi Marco. Absolutely, CMA can enhance your career as a controller and open up opportunities in M&A consulting by providing you with strong analytical and financial skills. To learn more about the CMA and what it can do for you, check out some free resources here: cmaexamacademy.com/start-here/

[@noble_thomas.]

Is accounting job going to replace by ai..? So whats the benefit of pursuing these qualifications

[@Cmacoach]

It's my belief that AI will replace repetitive low-level accounting tasks. Earning a professional credential gives you specialization which is crucial for future employment.

[@amishmahmood478]

Please I have a degree in accounting but no working in accounting experience. Will I be allowed to take the cma exam

[@Cmacoach]

Hi. Yes, you can take the CMA exam with a degree in accounting. Work experience can be gained after passing the exam to meet certification requirements. However, there are several requirements before a candidate can become officially CMA certified. Here’s my article on this topic: cmaexamacademy.com/cma-certification-requirements/ref/nathan/

[@freedomworldall]

Why not earn both. CPA, CMA. CPA, CMA and CIA combined seem to be a full certification in Accounting and Auditing.

[@Cmacoach]

Hi. Absolutely, earning both CPA and CMA is a good investment, although not always needed depending on the type of career one is after. If a professional already has the CPA, the CIA is a redundant credential imo.

[@jhonhonai9737]

Cma or cpa which one help to work abroad i seen that vaccancy like auditing but didn't see anything from cma

[@Cmacoach]

Hi Jhon. The choice between CMA and CPA for working abroad depends on your career goals. CPA is often recognized for roles in auditing and public accounting, making it widely sought after for such positions. CMA, on the other hand, is valued for expertise in management accounting and strategic financial decision-making, suitable for a variety of roles in corporate finance worldwide. I wrote an article on my blog about both certifications. You can read it here: cmaexamacademy.com/cma-vs-cpa/ref/nathan/ If you have any other questions, don't hesitate to reach out.

[@jhonhonai9737]

@@Cmacoach you doing great you are the best because you clear all doubts one by one

[@Cmacoach]

Thank you so much for your kind words, Jhon! It's great to hear that I could help clear your doubts. If you have any more questions, don't hesitate to reach out. I'm here to help!

[@joelmartinez5753]

How do I Become a CMA (certified management accountant) in Canada? I can’t find the Requirements

[@Cmacoach]

Hi Joel. Yes, the CMA is a globally recognized credential. We have students in over 120 countries studying online with us including Canada. To help clarify all the steps to becoming a CMA, I wrote an article that will help you understand the entire process step by step. Here is: cmaexamacademy.com/how-to-become-a-cma-in-just-over-6-months/ref/nathan/ If you have any follow-up questions, please feel free to reach out.

[@joelmartinez5753]

@@Cmacoach I thought there were specific requirements for Canada, similar to studying for the CPA Canada, with different prerequisites and possibly a distinct exam compared to the US CPA. Does this mean that with the US CMA certification, I can practice in any province in Canada without additional requirements?

[@Cmacoach]

Hi Joel. Yes. The US CMA certification, offered by the IMA, is globally recognized and can be used in various countries, including Canada, without additional requirements. I posted an article on my blog that explains each of the requirements. You can read it here: cmaexamacademy.com/cma-certification-requirements/ref/nathan/

[@khalidbinhasan5968]

Until now I'm confused what I take

[@Cmacoach]

Hi. Your choice should align with your career goals and the sectors you're interested in.

[@Mani-kw1ln]

Unfortunately, as a cpa nobody cares about CMA in America , is nice bell to have but will never be a job requirement. CPA is the only way to go in America for all jobs especially manager controller and cfo jobs.

[@Cmacoach]

Hi. Thanks for sharing your perspective on both designation. The CPA is a prestigious qualification in the U.S., especially for roles that require a deep understanding of regulatory compliance, tax and auditing. However, it's important to recognize the CMA's growing relevance in strategic financial management roles. The CMA focuses on equipping professionals with skills in analysis, strategic planning, and decision support, which are critical for positions like corporate controllers, CFOs, and beyond. Each certification has its unique advantages depending on the career path you choose. I have an awesome resource that’ll give you a lot more information about career and salary potential as a CMA. Check it out here: cmaexamacademy.com/certified-management-accountant-salary-in-the-usa/ref/nathan/

[@Saumitrasam7]

Is cfa and cma a good combination?

[@Cmacoach]

Hi. Thank you for your question. Currently I only offer courses and coaching for CMA US. CMA and CFA are two different certifications in finance and accounting. CMA focuses on management accounting and financial decision making, while CFA focuses on investment and portfolio management. Both certifications are highly valued and recognized internationally, and it depends on each individual's career goals and aspirations to decide which one is most suitable for them. I wrote an article on my blog where I talk about all the CMA careers you will be able to explore. Click here to read it: cmaexamacademy.com/cma-careers/ref/nathan/ If you have any other questions, please don’t hesitate to reach out again.

[@noble_thomas.]

Sir is there any exemptions for cpa after qualifying cma us..? Please reply

[@Cmacoach]

Hi Thomas. Thanks for your question. There are currently no exemptions between the CPA license and the CMA certificate.

[@ibrahimelshaer5816]

Cma

[@Cmacoach]

Have you earned your CMA or are you studying for the exams?

[@domingosdearaujobobo9312]

As a nati leader CMa is great team for me

[@Cmacoach]

Hi Domingo. Thank you for sharing! I wrote an article on my blog where I talk about all the CMA careers if this is something you'd like to explore further. Click here to read it: cmaexamacademy.com/cma-careers/ref/nathan/

[@cmauprise42]

Can one give the CMA exams without any prior experience and later on fulfill the criteria?

[@Cmacoach]

Hi. Yes, you can begin to pursue your CMA before you’ve completed your education or experience requirements. You have 7 years after passing the exams to complete the requirements that you need.

[@hanankhalid8391]

@@Cmacoach hello sir, even if i dont have a accounting degree but i have a qualification i.e ACCA, am i still eligible? as per what im aware, a accounting qualification would step in as your accounting degree criteria incase you dont have a degree, like you mentioned both in your video, im confused as to whether i should HAVE both or the qualification steps as in a replacement

[@Cmacoach]

Hi. Thank you for your question. CMA educational requirements can be fulfilled in two ways: 1. Earn a bachelor’s degree from an accredited college or university 2. Have a professional certification Also, CMA does not require you to have a bachelor’s degree in finance or accounting. But your degree must come from a regionally accredited or Distancing Education Accrediting Commission (DEAC) accredited university or college. You can learn more about all requirements here: cmaexamacademy.com/cma-certification-requirements/ Check with the IMA if your ACCA certification can be accepted in lieue of a bachelor's degree.

[@anoojaandherown]

CMA

[@Cmacoach]

Excellent!

[@user-el3jd3lg9q]

Hii can you please help me to choose CMA US vs CMA India 😢... I m so so confuse between them.. please help...i want high salary

[@Cmacoach]

Hi. Choosing between CMA US and CMA India depends on your career goals and where you plan to work. If you're looking for global opportunities, particularly in multinational companies, CMA US is widely recognized and might offer broader prospects for higher salaries. However, if your focus is on working within India and aligning with local practices, CMA India could be more relevant. Both certifications have their merits, so consider where you see yourself in the future. I have an awesome resource that’ll give you a lot more information about career and salary potential as a CMA. Check it out here: cmaexamacademy.com/certified-management-accountant-salary-in-the-usa/ref/nathan/ If you have any other questions, please don’t hesitate to reach out again.

[@zakariyeosoble3997]

I'm interesting CMA

[@Cmacoach]

Hi Zakari, I have an article to help you learn the 10 steps to get your CMA credential. Here it is cmaexamacademy.com/how-to-become-a-cma-in-just-over-6-months/ref/nathan/

[@daveimba6854]

team cpa for sure

[@Cmacoach]

Hi Dave. That's great to hear you're on Team CPA! The CPA is an excellent credential. Thanks for sharing your thoughts!

[@jenno5555]

Team CMA 😄

[@jenno5555]

But which one has more jobs tho?

[@Cmacoach]

Hi. Both CMA and CPA certifications are highly valued in the finance and accounting world. However, demand can vary based on region and career focus. The CPA is typically more sought-after in auditing and public accounting roles, while the CMA is more prevalent in management accounting and corporate finance roles. I'd suggest researching the job market in your area of interest to determine which certification has higher demand.

[@hugoreynoso302]

You can have both. You don’t have to chose 😂 hahaha they’re both tough.

[@Cmacoach]

You're absolutely right, Hugo! Many professionals choose to earn both certifications to maximize their opportunities and skill set. Both are a challenge, but the effort is well worth it!

[@emmanueljohnceleste2458]

.

[@pummykumari4510]

Cma

[@Cmacoach]

More the merrier!