Exploring Tech, Finance & Productivity

Practical articles, free developer tools, and finance calculators. No jargon, no fluff.

Jul 2026 • Tech, System Design

Design a Key-Value Store (like DynamoDB) - System Design

A key-value store looks like a solved problem for about thirty seconds. “Put a value under a key, get it back later, it is a hash map.” Then …

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Jul 2026 • Tech, System Design

Design a Metrics and Monitoring System - System Design

Everyone thinks a monitoring system is a database with a graph on top. “Every server writes its CPU and memory somewhere, you draw a line …

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Jul 2026 • Finance

Small-Cap SIP: What 15-Year Rolling Returns Actually Show

A small-cap fund SIP page will show you one number: “18% CAGR since inception.” It will not show you that the same fund made you sit on a …

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Jul 2026 • Tech, System Design

Design a Distributed Message Queue (like Kafka) - System Design

Everyone thinks a message queue is a list. “Producers push messages onto the back, consumers pop them off the front, done - it is a queue, …

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Jul 2026 • Tech, System Design

Design YouTube / a Video Streaming Platform - System Design

A video platform looks trivial for about five seconds: POST /video to upload, GET /video to play. Then you remember that one uploaded file …

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Jul 2026 • Tech, System Design

Design a Real-Time Leaderboard - System Design

Everyone thinks a leaderboard is a SELECT ... ORDER BY score DESC LIMIT 100. “Store the scores, sort them, return the top 100, done.” Then …

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Jul 2026 • Tech, System Design

Design a Web Crawler - System Design

Everyone starts a web crawler the same way: a queue of URLs, a while loop, fetch, parse out the links, push them back on the queue, repeat. …

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Jul 2026 • Tech, System Design

Design an Ad Click Aggregator - System Design

Everyone thinks an ad click aggregator is a SELECT COUNT(*) ... GROUP BY ad_id. “Log every click, count the rows, show the advertiser their …

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Jul 2026 • Tech

How to Interview for an AI Engineer Role in 2026

If you prep for an AI engineer interview by grinding gradient descent derivations and softmax cross-entropy, you will walk in ready for a …

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Jul 2026 • Finance

Term Insurance Cover: The Income-Replacement Math, Not a Round Number

“Take 1 crore cover.” It is the most repeated line in Indian personal finance, and it is a psychological number, not a financial one. One …

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Jul 2026 • Tech, System Design

Design BookMyShow / a Ticket Booking System - System Design

“Design BookMyShow” looks like a catalogue app: list cities, list movies, list showtimes, take a payment, print a QR code. The interviewer …

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Jul 2026 • Tech, System Design

Design Dropbox / a File Sync and Storage Service - System Design

A file sync service sounds like a glorified upload button until you count the bytes. The naive version is a single PUT /file that stores a …

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Jul 2026 • Tech, System Design

Design Search Autocomplete / Typeahead - System Design

Everyone thinks autocomplete is a LIKE 'prefix%' query. “Index the search terms, run a prefix match, return the top ten, done.” Then the …

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Jul 2026 • Finance

EPF + VPF vs an Index Fund Over a 30-Year Career

The pitch for Voluntary Provident Fund is seductive and, for most of your salary, correct: 8.25% compounded, tax-free, government-backed, no …

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Jul 2026 • Tech

REITs vs InvITs in India - Where the Yield Actually Comes From

Most people buy a REIT or an InvIT because a screener showed a 6% or a 12% yield next to it, and 12% looks like a fixed deposit that quietly …

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Jul 2026 • Tech, System Design

Design a Distributed Cache (like Redis) - System Design

Everyone thinks a cache is a hash map with a size cap. “Store key-value pairs in RAM, evict when it fills up, done.” Then the interviewer …

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Jul 2026 • Tech, System Design

Design a Payment System / Digital Wallet - System Design

“Move 500 rupees from Alice to Bob” sounds like an UPDATE statement. Then you think about it. What if the request times out and the client …

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Jul 2026 • Tech, System Design

Design Google Docs / Collaborative Editing - System Design

A document editor sounds trivial until you put two people in the same document. One editor is a text box that saves to a database: type, PUT …

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Jul 2026 • Finance

NPS at 60: The Annuity Reality Behind the 60% Lumpsum

Everyone sells NPS on the way in: the extra Rs 50,000 deduction under 80CCD(1B), the low-cost fund management, the equity exposure. Almost …

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Jul 2026 • Tech

Postgres Is Still Eating Your Stack - The 2026 Extension Edition

Most “just use Postgres for everything” posts stop at the fun part. They show you that pgvector exists, that SKIP LOCKED gives you a queue, …

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