Dattatray Dagale

Most Indians Start Investing Wrong — Here's How to Actually Begin With Mutual Funds

I take the 6:47 AM local from Kalyan to Mumbai every morning. Somewhere between Dombivli and Thane, I usually scroll through my phone. Last week, I saw a friend's status: "Finally opening a demat account today! Ready to become rich 🚀" Three months later, he'd lost ₹8,000 and deleted the app. This isn't unusual. Most Indians I know w…

Read These 6 Books Before 30 or You'll Regret It

It was 11:47 PM on a Tuesday. I was sitting in the Kalyan local, crushed between a man reading a Marathi newspaper and a woman with three shopping bags, when my friend Amit texted me: "Dude, I just realized I have ₹8 lakhs in my savings account and I have no idea what to do with it." Amit works at a decent IT company. Makes good money. But he'd …

Should You Really Check Finance News Every Day?

I used to check Moneycontrol the moment I woke up. Before brushing my teeth, before coffee, before even acknowledging my partner's good morning — my phone was already open to the market summary. By 9 AM, I'd have read three articles on Fed rate hikes, two opinion pieces on whether Nifty was overvalued, and a notification about some IPO I didn't und…

Stop Watching Anime for Entertainment — Watch It to Rewire How You Think About Work and Money

I used to think anime was just entertainment. Something to watch on Sunday nights after finishing my work on the Morningstar analytics dashboard, a way to zone out before Monday's 6 AM local train from Kalyan to Mumbai. Mindless fun. Background noise while scrolling through my Zerodha holdings or checking if my Groww SIP had processed. Then I watched Nan…

Three Months Without Mindless Scrolling — What I Actually Reclaimed

There's a moment every morning when I'm on the 7:15 AM local train from Kalyan to Dadar, packed between 200 other people, and I watch a guy next to me unlock his phone and immediately start scrolling through Instagram Reels. He doesn't even know what he's looking for. His eyes move but his brain isn't there. By the time the train reaches D…

Most Indian Podcasts You're Listening to Are A Waste of Your Time

I spend 90 minutes every day on the Mumbai local train. That's roughly 450 minutes a week, or 7.5 hours of commute time that I either waste scrolling Instagram or actually learn something useful. For the last three years, I've tested hundreds of podcasts — some genuinely life-changing, most absolutely forgettable. Here's what I've learned: m…