Photo from Srikanth Matrubai

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#GrowWithReadingBooks

_Book Summary 119_

Sharing key takeaways from the book *"Don’t Retire Rich" by Srikanth Matrubai*

*1. Define your financial destination :* Don't invest blindly. Start by defining the lifestyle you want, your retirement goals, and the money required to support them. Estimate future expenses, identify financial goals, and work backwards to create a realistic financial plan. Begin with clarity about your future, not a search for the next attractive investment.

*2. Build wealthy habits :* Wealth is not just about how much you earn, but how much you save, invest, and manage consistently. Small financial decisions, repeated over time, make a significant difference. Track expenses, control unnecessary spending, increase savings, and make wealth creation a habit.

*3. Let compounding work for you :* Time and consistency are often more powerful than finding the perfect investment. Compounding rewards patience, making an early start one of an investor's biggest advantages. Invest regularly, reinvest returns, and give your investments time to grow. Avoid unnecessary withdrawals and frequent strategy changes.

*4. Manage risk; don't just chase returns :* Successful investing is not about maximizing returns at any cost. It is about building wealth while protecting your financial goals. Diversify appropriately and align investments with your goals, time horizon, and risk tolerance. Focus on a sustainable strategy rather than chasing recent performers.

*5. Master your emotions :* Fear and greed can derail even the best financial plans. Market volatility is inevitable, but reacting to every movement can be expensive. Develop a well-defined investment strategy and stick to it. Make decisions based on research and long-term goals, not market noise or temporary excitement.

*6. Don't postpone life until retirement :* Financial independence matters, but so do health, relationships, experiences, and happiness. There is little value in accumulating wealth at the cost of everything that makes life meaningful. Allocate time and resources to family, health, hobbies, travel, and personal interests. Enjoy today while preparing for tomorrow.

*7. Redefine what being rich means :* A large bank balance is only one measure of wealth. True richness also means having the freedom, health, time, relationships, and purpose to enjoy life on your terms. Retirement should be about living well, not merely accumulating a large corpus. Build financial independence that supports your aspirations and peace of mind.

*One big message this book conveys : -* Don't spend your entire working life accumulating wealth only to discover that you postponed living.

_Build your wealth, cultivate healthy financial habits, protect your health and relationships, and create a life worth looking forward to._

If you're serious about financial independence, this book invites you to rethink not just how you invest your money, but how you want to live your life.

*The ultimate goal is not to retire with the most money, but to have enough Financial Freedom to live a Truly Rich and Wealthy Life.*

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*How to use ChatGPT to learn any subject from scratch* 📚🚀

*Prompt:*

I want you to act as my personal subject-matter tutor.

Help me learn any subject from absolute beginner level to an advanced level through a structured and interactive learning process.

• First, ask me which subject I want to learn and assess my existing knowledge through a few questions

• Create a complete learning roadmap covering beginner, intermediate, and advanced concepts

• Divide the subject into logical modules and teach them in the correct sequence

• Explain every concept in simple language with practical examples and real-world applications

• Use analogies and visual explanations wherever helpful

• Give me exercises and assignments after every important concept

• Test my understanding before moving to the next topic

• Identify my weak areas and provide additional explanations and practice

• Connect different concepts so I understand how everything fits together

• Recommend useful books, courses, videos, and practice resources

• Track my progress and conduct periodic assessments

• At the end, help me apply everything through a real-world project or practical assignment

Don't overwhelm me with information. Teach me one concept at a time and make sure I understand it before moving forward.

Start by asking me which subject I want to master.

*Double Tap ❤️ For More Useful Prompts*

BEFORE SLEEPING KNOW THIS…
Since retiring as a physical education teacher in 2010, Sampath Kumar from Karimnagar, Telangana,has written 55 books on yoga, meditation, fitness, martial arts and even Telangana's regional dialects. And he teaches yoga free of charge!

Post retirement, he continues to help people dealing with problems such as back pain and spondylitis through yoga guidance. He knows around 500 yoga asanas and is working towards documenting them.

Btw... Sampath Kumar even at this age of 74, is not slowing down. He has set himself a target of writing 100 books.

BEFORE SLEEPING KNOW THIS…
Near the Line of Control in Kashmir, in remote village the INDIAN ARMY turned an underground facility into an EYE hospital. And in just 2 days, its surgeons performed 220 sight-restoring surgeries!
Under Operation Drishti, Army doctors brought specialised eye treatment to residents of Tangdhar, a remote area vulnerable to shelling.
Led by Brigadier Sanjay Kumar Mishra of Army Hospital (Research & Referral), Delhi, the team transported specialised surgical equipment from Srinagar to Tangdhar and operated on patients, most of them poor and elderly, who had limited access to advanced healthcare.

BEFORE SLEEPING KNOW THIS....
Goa celebrates Diwali by mimicking the killing of Narakasura by Lord Krishna.
Competitions are held in every village and city to see who can make the biggest and scariest effigy of the demon.
Some are really huge! They're paraded through the streets and burned at dawn on Narakasura Chaturdashi.
A sight to behold!

BEFORE SLEEPING KNOW THIS...

There is a village in Andhra Pradesh actually named DEEPAVALI! And unlike most places where Diwali lasts one or two days, this village celebrates the festival for 5 days.

Besides the celebration, the most beautiful part is the story behind its name.

A local legend says a Kalinga king, returning from the Sri Kurmanadha temple, once fell unconscious near this village. The villagers rushed to help him, brought water from a nearby well and cared for him until he recovered. Deeply grateful, the king named the then-unnamed village Deepavali, as the incident happened on the festival day. The name even found its way into revenue records!

BEFORE SLEEPING KNOW THIS...

Whats the best Diwali gift?

For a Pune-based organisation, it is the moment a soldier calls to say,
"We received our Diwali sweets!"

In 2026, Sainik Mitra Parivar collected 500 kg of traditional Diwali snacks and sent parcels to over 150 military post addresses, including remote locations such as Siachen and Nathula. Organisation say the phone calls from soldiers confirming receipt are among the most rewarding moments.

But here is the remarkable part. This is not a one-time Diwali gesture. This organisation has been sending sweets and messages to soldiers guarding India's borders every Diwali since 1997 !!
Yes. Since last 29 years.

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*11 advanced ways to use Google Gemini: 🚀🤖*

*1. Analyze PDFs & reports deeply (Gemini strength)*
Prompt:
“I’ve uploaded a document. Summarize key insights, identify risks, and suggest 5 actionable decisions based on this.”

*2. Compare multiple sources in one go*
Prompt:
“Compare these 3 articles:. Highlight similarities, differences, and which one is most reliable with reasons.”[paste]

*3. Turn research into execution plan*
Prompt:
“Research and convert it into a step-by-step action plan with timelines and tools.”[topic]

*4. Multimodal learning (text + image)*
Prompt:
“Explain this image in detail. Break it down into simple concepts and relate it to real-world use cases.”[upload]

*5. Create high-quality notes from long content*
Prompt:
“Convert this content into structured notes with headings, key points, and revision-friendly summaries.”

*6. Smart content repurposing*
Prompt:
“Turn this blog into: 1 LinkedIn post, 1 Twitter thread, and 3 Instagram captions with hooks and CTAs.”

*7. Data + insight extraction*
Prompt:
“From this dataset/text, extract patterns, trends, and 3 key insights I can use for decision-making.”

*8. Learn faster with interactive mode*
Prompt:
“Teach me interactively. Ask me questions, correct me, and adjust difficulty based on my answers.”[topic]

*9. Strategy building (business/career)*
Prompt:
“Act as a strategist. Build a growth plan for. Include opportunities, risks, and execution steps.”[goal]

*10. Advanced brainstorming with constraints*
Prompt:
“Give me 10 ideas for, but keep them low-budget, high-impact, and executable within 7 days.”[goal]

*11. Fact-checking + validation*
Prompt:
“Verify this information:. Cross-check with reliable sources and highlight any inaccuracies.”[paste]

*Pro Tips to use Gemini like a pro: 💡*

- Use uploads (PDF, images, docs) → unlock full power
- Combine analysis + action prompts
- Ask for structured outputs (tables, steps, frameworks)
- Iterate until you get usable output

*📌 Gemini shines when you mix data + context + clarity.*

258 Grooms Arrive At Their Wedding On CYCLE In Surat, Setting A New Eco-Friendly Trend
The gleeful cyclists were joined by the district collector who pedaled along with them. The drive aimed to create more awareness among people about air pollution and sustainable forms of transport.

BEFORE SLEEPING KNOW THIS...
In Maharashtra, some children don't begin Diwali by decorating their homes. They begin by building a FORT!
Known as Killa, this centuries-old tradition sees children create miniature forts using mud, stones and bricks to honour Chhatrapati Shivaji Maharaj. The 1st Diwali diya is placed right on top as a tribute to the Maratha king.
The tradition has now reached extraordinary proportions. At Pune's Killotsav 2026, over 4,000 people came together to build miniature forts and set a world record!
A childhood Diwali tradition has grown into a world-record celebration of India's greatest Maratha legacy!

𝗖𝗵𝗶𝗻𝗮 𝗜𝘀 𝗦𝘁𝘂𝗱𝘆𝗶𝗻𝗴 𝗠𝗼𝗱𝗶’𝘀 𝗚𝗮𝗺𝗲. 𝗪𝗲𝘀𝘁 𝗦𝘁𝗶𝗹𝗹 𝗗𝗼𝗲𝘀𝗻’𝘁 𝗚𝗲𝘁 𝗜𝘁
China is quietly studying Modi’s moves. Their reports say India is not stuck. It is building its own game.
The West keeps saying India is trapped between America, Russia, China, Pakistan and Bangladesh. Chinese analysts see something else. They see a country that has stopped playing anyone else’s game. It is writing its own.
India is buying Russian oil, refining it, and selling diesel to Europe. At the same time it is doing joint drills with Australia and talking border disengagement with China in the same week. It is with Israel and talking to Iran. With Saudi and Palestine. Western minds freeze. Chinese ones take notes.
When Marco Rubio landed, he did not go to Delhi for tea. He went straight to Jamnagar. Message was simple — keep the diesel flowing and help with midterms. India said no to interference. No to both sides. The old leverage is gone.
China now admits it cannot ignore India. It has watched the post-Galwan response — troops matched, roads and tunnels built at record speed, and quiet signals sent through the Malacca Strait via Andaman and Nicobar. No formal alliance. No dependency. Just calculated leverage.
The West still thinks India must pick a side. China is studying how India refuses to. That difference is now being written in their reports. India is not stuck. It is moving on multiple boards at once. And both sides are starting to notice.

*100 USEFUL MS EXCEL SHORTCUT KEYS*

Microsoft Excel has several keyboard shortcuts that make everyday work faster and easier.

*Here are 100 useful Excel shortcuts everyone should know.*

*1. Basic Excel Shortcuts*

1. Ctrl + N – Create a new workbook.
2. Ctrl + O – Open an existing workbook.
3. Ctrl + S – Save the workbook.
4. Ctrl + A – Select the current data region or worksheet.
5. Ctrl + B – Apply bold formatting.
6. Ctrl + C – Copy selected cells.
7. Ctrl + V – Paste copied content.
8. Ctrl + X – Cut selected cells.
9. Ctrl + Z – Undo the last action.
10. Ctrl + Y – Redo the last action.
11. Ctrl + P – Open the Print dialog.
12. Ctrl + W – Close the current workbook.
13. Ctrl + F – Find data.
14. Ctrl + H – Find and replace.
15. Ctrl + K – Insert a hyperlink.

*2. Cell Editing and Formatting*

16. Ctrl + 1 – Open Format Cells.
17. Ctrl + I – Apply italic formatting.
18. Ctrl + U – Underline selected content.
19. Ctrl + 5 – Apply strikethrough.
20. Ctrl + D – Fill Down.
21. Ctrl + R – Fill Right.
22. F2 – Edit the active cell.
23. Esc – Cancel the current entry.
24. Enter – Complete a cell entry.
25. Alt + Enter – Start a new line within a cell.
26. Ctrl + Enter – Fill selected cells with the current entry.
27. Ctrl + ' – Copy the formula from the cell above.
28. Ctrl + Shift + " – Copy the value from the cell above.

*3. Date, Time and Number Formatting*

29. Ctrl + ; – Insert the current date.
30. Ctrl + Shift + ; – Insert the current time.
31. Ctrl + Shift + $ – Apply currency formatting.
32. Ctrl + Shift + % – Apply percentage formatting.
33. Ctrl + Shift + # – Apply date formatting.
34. Ctrl + Shift + @ – Apply time formatting.
35. Ctrl + Shift + ! – Apply number formatting.
36. Ctrl + Shift + ~ – Apply General number format.

*4. Row and Column Shortcuts*

37. Ctrl + Space – Select the entire column.
38. Shift + Space – Select the entire row.
39. Ctrl + + – Insert cells, rows or columns.
40. Ctrl + - – Delete selected cells, rows or columns.
41. Ctrl + 9 – Hide selected rows.
42. Ctrl + 0 – Hide selected columns.
43. Ctrl + Shift + 9 – Unhide rows.
44. Ctrl + Shift + 0 – Unhide columns (may be restricted by Windows settings).
45. Alt + H + O + I – AutoFit column width.
46. Alt + H + O + A – AutoFit row height.

*5. Navigation Shortcuts*

47. Ctrl + Home – Go to cell A1.
48. Ctrl + End – Go to the last used cell.
49. Ctrl + Up Arrow – Move to the top edge of a data region.
50. Ctrl + Down Arrow – Move to the bottom edge of a data region.
51. Ctrl + Left Arrow – Move to the left edge of a data region.
52. Ctrl + Right Arrow – Move to the right edge of a data region.
53. Page Up – Move one screen up.
54. Page Down – Move one screen down.
55. Alt + Page Up – Move one screen left.
56. Alt + Page Down – Move one screen right.
57. Tab – Move to the next cell.
58. Shift + Tab – Move to the previous cell.
59. Ctrl + Page Up – Move to the previous worksheet.
60. Ctrl + Page Down – Move to the next worksheet.

*6. Selection Shortcuts*

61. Shift + Right Arrow – Extend selection one cell right.
62. Shift + Left Arrow – Extend selection one cell left.
63. Shift + Up Arrow – Extend selection one cell up.
64. Shift + Down Arrow – Extend selection one cell down.
65. Ctrl + Shift + Arrow Key – Select cells up to the edge of a data region.
66. Ctrl + Shift + Home – Select from the active cell to A1.
67. Ctrl + Shift + End – Select up to the last used cell.
68. Ctrl + Shift + Space – Select the current region; press again to expand selection.
69. Alt + ; – Select visible cells only.
70. Ctrl + Shift + O – Select cells containing notes or comments (version-dependent).

*7. Formula and Function Shortcuts*

71. Alt + = – Insert AutoSum.
72. Shift + F3 – Open Insert Function.
73. F4 – Repeat the last action or toggle reference types while editing a formula.
74. Ctrl + ` – Show or hide formulas.
75. F9 – Calculate all open workbooks.
76. Shift + F9 – Calculate the active worksheet.
77. Ctrl + Alt + F9 – Force recalculation of all open workbooks.
78. Ctrl + F3 – Open Name Manager.
79. Ctrl + Shift + F3 – Create names from selected row or column labels.
80. F3 – Paste a defined name.

*8. Data and Table Shortcuts*

81. Ctrl + T – Create an Excel Table.
82. Ctrl + L – Create an Excel Table.
83. Ctrl + Shift + L – Apply or remove filters.
84. Alt + Down Arrow – Open the filter dropdown.
85. Ctrl + E – Use Flash Fill.
86. Alt + A + S + A – Sort data from A to Z.
87. Alt + A + S + D – Sort data from Z to A.
88. Alt + A + S + S – Open the Sort dialog.
89. Alt + A + M – Remove duplicates (ribbon sequence).
90. Ctrl + Alt + F5 – Refresh all workbook data connections and PivotTables.

*9. Ribbon and Advanced Shortcuts*

91. Alt – Display Ribbon Key Tips.
92. Ctrl + F1 – Expand or collapse the Ribbon.
93. Alt + H – Open the Home tab.
94. Alt + N – Open the Insert tab.
95. Alt + P – Open the Page Layout tab.
96. Alt + M – Open the Formulas tab.
97. Alt + A – Open the Data tab.
98. Alt + R – Open the Review tab.
99. Alt + W – Open the View tab.
100. Alt + F11 – Open the VBA Editor.

*Bonus: Additional Useful Shortcuts*

- F1 – Open Excel Help.
- F5 – Open the Go To dialog.
- F7 – Check spelling.
- F8 – Enable Extend Selection mode.
- F10 – Activate Ribbon Key Tips.
- F11 – Create a chart on a separate chart sheet.
- F12 – Open Save As.
- Shift + F11 – Insert a new worksheet.
- Shift + F10 – Open the context menu.
- Ctrl + F2 – Open Print Preview.
- Ctrl + F4 – Close the active workbook.
- Alt + H + H – Open the Fill Color menu.
- Alt + H + B – Open the Border menu.
- Alt + F + T – Open Excel Options.

In Baghpat's Bamnauli Village, people have unique surnames.
These surnames, often inspired by animals or birds, hold deep cultural significance and are a point of pride for the villagers.

For example, Viresh full name is VIRESH BHEDIA...
Bhedia means Wolf!

Delhi gets Yamuna river cruise.
The service, called the Namo Yamuna River Safari, will run along a 5-km stretch of the river from Sonia Vihar to Jagatpur .
Here’s what you need to know:

Expected ticket price: Rs 500 per person
Ride duration: 40 minutes
Capacity: Up to 30 passengers per boat
Booking: Online, through Delhi Tourism’s website