https://learningcurrents.weebly.com/visible-learning-surface...
It takes a minimum of about 3 semesters to be able to get linear algebra to the stage of transfer learning. There are slower ways to do it (which most people follow), but there aren't shortcuts -- there is no way high school Algebra 2 can get you there in the time allotted.
That kind of high school surface learning is not a step you can skip, though:
"Surface learning is critical because it provides a foundation on which to build as students are asked to think more deeply."
There are a lot of shortcuts which can cut back on the number of hours, mostly by spreading out the number of years. Early surface exposure helps a lot, as does revisiting topics in different contexts.
https://en.wikipedia.org/wiki/Spacing_effect https://en.wikipedia.org/wiki/Spiral_approach