Dattatray Dagale

Two Years Without GitHub, Then Everything Changed

Let me start with a confession: until about two years ago, I thought GitHub was just a storage locker for code. Like, literally a place where programmers dumped their files and moved on. I'd see it mentioned in job postings, in open-source communities, in every tech conversation I half-listened to at Mumbai coffee shops between market analysis calls. But …

The Data Skills Everyone's Learning Wrong (And What Actually Gets You Hired in 2025)

I spent three years thinking I knew what data analysts needed to learn. SQL? Check. Python? Check. Dashboards in Tableau? Obviously. I'd read the job postings, studied the frameworks, built projects that looked impressive on GitHub. And then I hit a wall at work — and realized I'd been optimizing for the wrong things entirely. Here's what nobody…

5 Ways ChatGPT Changed How I Work (And Why I'm Not Celebrating Yet)

Last Tuesday morning, I was stuck . I had a spreadsheet of mutual fund performance data — 47 rows, incomplete NAV entries, scattered across three different CSV files from three different fund houses. My task was to build a comparative analysis for a client pitch at Morningstar. Normally, this takes me about 4 hours: manual data cleaning, pivot tables, cross-r…

Should You Park Your Money in Gold or Chase Stock Returns?

My mom called me last week asking if she should buy more gold. Her reasoning ? "Sona kabhi kharab nahi hota" (gold never loses value). I laughed, but only because I've had this exact argument with myself at least fifteen times in the last three years . Here's the thing — I work at Morningstar analyzing financial data all day, I've studied…

5 Money Moves I Wish I'd Made Before My First Year Ended

Dear 23-year-old me, You're sitting in that Kalyan apartment right now, staring at your Morningstar salary slip. It's your first real job. The number looks huge—₹35,000 in your account—and you're convinced you'll figure out money naturally. Spoiler alert: you won't. Not without a system , anyway. I'm writing this from five years ahea…

How RBI Rate Cuts Actually Change What You Earn and Spend

Last year, I sat in my apartment in Kalyan after a particularly frustrating day at work. My savings account was earning 3.5% interest. My Zerodha brokerage account showed me equities that had been flat for months. My CRED wallet had ₹2,400 sitting unused. And yet, I couldn't figure out why my purchasing power felt weaker despite no major life changes. I b…