Dattatray Dagale

5 SQL Mistakes That Slow Down Your Analytics Queries (And What Window Functions Fix)

Let me ask you something: how many times have you written a query, run it against your production database, and watched it hang for 30 seconds while you stare at your screen wondering if you've broken something? Yeah. That's the feeling. Here's what I've noticed after working with data for years—most analysts learn SQL the traditional way:…

The Stay or Leave Decision Your Salary Won't Tell You About

You're sitting at your desk on a Wednesday afternoon. The work isn't hard. The pay is decent. But something feels off—and it's not the spreadsheet in front of you. This is the moment most people get stuck. Because the decision to stay in a job or leave it isn't really about money, even though we talk about it like it is. I've watched frien…

How Credit Card Interest Works (And Why The Minimum Payment Trap Costs You ₹50K+)

The Math Nobody Explains Properly Most people know credit cards charge interest. What they don't know is how much that interest compounds, and how the banks have designed the minimum payment trap specifically so you keep paying for years . Let me walk through the actual numbers. Say you spend ₹1,00,000 on your credit card in a month—maybe a flight, a ga…

Standard Deduction vs Itemizing in India: Which One Actually Saves You Money

The Big Confusion: What Most Indians Get Wrong Every tax season, I see the same conversation play out in office WhatsApp groups and Reddit threads. Someone asks: "Should I take the standard deduction or itemize my deductions?" And then three different people give three different answers, none of which are actually correct . Here's the thing: mo…

The ₹1 Lakh Portfolio Mistake Most Data Analysts Make

You're earning ₹5–8 lakh a year. That's solid. You've got some money left over after rent, food, and your Netflix subscription. And now you're thinking: maybe I should start investing ? Good instinct. But here's where most people your age go wrong. They think building a ₹1 lakh portfolio means picking five random stocks or jumping into cr…

5 Expense Categories Most People Forget to Track

You probably have a rough idea of how much you spend every month. Rent, groceries, phone bill, maybe a streaming subscription or two. You think you know your number. Then something doesn't add up. You earn ₹75,000 a month, spend what feels like ₹45,000, and somehow only save ₹20,000. Where did the other ₹10,000 go? This is the gap most people live in. No…