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Are Podcasts Actually Better Than Books for Learning Money and Career Skills?
It was 7:47 AM on a Tuesday morning, and I was standing in a packed local train between Kalyan and Mumbai Central. My phone had 12% battery. I'd forgotten my earphones at home the night before. And for the first time in three months, I had nothing to listen to. I realized something uncomfortable: I'd become completely dependent on podcasts. Not just…
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Three Years at Morningstar — What Actually Separates People Who Move Forward
Dear younger self (or whoever's reading this from Kalyan station at 7:15 AM), I'm writing this on the 4:47 PM local back from Mumbai, sitting in that crowded compartment where everyone's either staring at their phones or half-asleep. Around me, I see the same faces most days. And I've noticed something: most people stay exactly where they were …
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How to Build a Second Income Stream Without Burning Out at Your Day Job
Let me start with the obvious: adding a second income stream while working full time at Morningstar sounds like a recipe for burnout. And honestly? For the first six months, it kind of was. But here's what I learned after three years of doing this — and earning an extra ₹8–12 lakhs annually from side work — it's not about doing more. It's about…
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The LinkedIn Profile That Gets Recruiters to Actually Message You
Dear friend, I'm writing this on the 6:47 AM local from Kalyan to Dadar, the one where you're packed like sardines in a tin and someone's always eating Wai Wai noodles. It's the same train I've taken for three years now, and every time I see someone scrolling through LinkedIn on their phone, I wonder: Are they actually going to get notic…
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The Salary Negotiation Nobody Teaches You How to Do
I remember sitting across from my manager in a conference room at Morningstar's Mumbai office, palms sweating, mouth dry, about to ask for a 18% raise. My heart was racing like I'd just run up the stairs at Kalyan station during rush hour. The weird part? I'd prepared for three weeks — spreadsheets, market data, everything — but the moment it came …
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Two Years of Commuting to Mumbai — When Work-Life Balance Stopped Being About Time
Let me start with what I got spectacularly wrong. When I first moved to Kalyan and started commuting to Mumbai for Morningstar, I genuinely believed work-life balance was about hours. Finish by 6 PM, leave by 6:15 PM, be home by 8 PM. That was the formula. I'd read articles about the "8-hour work day" and thought: that's it, that's balan…
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