Sumit Mukherjee

I'll be turning 30 end of this year. People who are in their 30s, drop a piece of advice for me.

Debt is something I've never spoken about publicly. But maybe it's time. I had never borrowed money. No personal loans. No education loans. No home loan. No car loan. Not even credit card debt. I was 100% debt-free. I guess the reason behind that was I saw what happened with us when my father had a little debt and i helped him pay if off during peak Covid times and I did not want to repeat it. And yet the same thing repeated. In September 2024, I took my first loan. ₹4.5 lakhs. Thinking this was just a temporary phase, I'd repay it over the next few years and move on with life. But that's not how things unfolded. A few months later in January 2025, I needed another ₹2 lakh loan. The EMI was around ₹4.5k. At that point, I told myself that this is the last time I'll ever take one. And then life happened again. Around July 2025, I refinanced my first loan. The original ₹4.5 lakh loan became a ₹6.75 lakh loan with a lower interest rate. The old loan was closed, but I now had a new five-year EMI of around ₹15k. Not long after that, I had to take another loan. This time it was ₹3.5 lakhs. It wasn't for buying something I wanted. It was to clear my growing credit card debt before it became even more expensive. And eventually, I refinanced the ₹2 lakh loan as well. That became a ₹4.5 lakh loan, replacing the old one with an EMI of around ₹10,000. Again to clear off my credit card debt. Today, I have three personal loans running and each for 5 years tenure: ₹6.75 lakh ₹3.5 lakh ₹4.5 lakh Together, they add up to an EMI of over ₹32,000 every single month. If I'm being honest, there were moments when seeing those EMI notifications made me question every financial decision I'd made. But, deepdown i knew that the reason behind each loan wasn't splurging money. I took them because I had no other choice left. That goes for the credit card debts as well. Honestly, I'm still finding it difficult to manage it each month but I somehow do it. And I've to keep doing it. I don't have any backup. I'm my own backup.

Where can I get England Football Home jersey before the semi-final match? I need this in Navi Mumbai by Tuesday evening.

6 months have passed in this year and it's fantastic to see that I could help you all in some way or the other. 67 Bookings! 146 Profile Views! All the good testimonials I have received just reflect how well I have been able to help people! And to add cherry on top, the 5 ⭐ rating! If you need any help from my end in your career, do reach out to me on Topmate! Comment "career" for an exciting offer of 50% off on my bookings for a limited time. @topmateHQ @nush_1320

Pick one thing and put in the work in doing that consistently day in day out. Once that is done, pick something new and repeat

You’ll notice something interesting after a few interviews. The questions aren’t always difficult. In fact, many of them are based on things you’ve already studied or worked on. What makes them challenging is the situation. You’re expected to think clearly, explain your reasoning, and stay composed while someone is evaluating you. That pressure changes how you perform. This is why preparation isn’t just about knowledge. It’s about practicing how you think under constraint. Take time to simulate that environment. Answer questions out loud. Give yourself limited time. Get comfortable with pauses and imperfect answers. Over time, you’ll realize that confidence in interviews doesn’t come from knowing everything. It comes from being able to think clearly when things aren’t obvious.

At some point, you’ll start noticing that the hardest problems are not the ones that break. They’re the ones that quietly underperform. No errors. No alerts. Just slower than expected, slightly inefficient, easy to ignore if you’re not paying attention. Early on, you’ll try to fix these quickly. Change configs, tweak logic, rerun jobs. But over time, you’ll realize that these problems require a different mindset. You have to slow down and observe. Look at how the system behaves, not just whether it works. Trace the data, understand the flow, and question assumptions you didn’t even know you were making. Because most of the time, the system is doing exactly what you asked it to do. You just didn’t realize what you asked for.

Crazy that a blank post with 10M views still has better engagement than some people writing ten threads a day. I might as well shoot my shot and post my writings here. If you are into Data Engineering, do follow me and engage with my content. I write about Data Engineering and help people get jobs in data engineering. Here's one of my articles: nitter.gq/sumit_codes_/status/20…

I have been trying to be consistent on X for the past 7 days and below are the numbers. I work as a Data Engineer. My goal is to be among the top 1% in my field. While doing so, I also want to help out folks who want to venture into Data Engineering. For this, I will be sharing and posting whatever knowledge I possess and I'd like your help to reach a wider audience so someone who needs help can actually get it. I have been already sharing content on the same but the reach is still not good enough. Also on the sidelines, I am studying GATE CS subjects to get better at my CS fundamentals. I am not wishing to go for any MTech as such. Just that I wanted to get better in CS as I come from an Electronics background. So, you will come across CS posts as well. I'll share whatever I learn. As a closing note all I want to say is: If you find my content helpful or relatable, please do engage, like or repost. Let's grow the Data Engineering space!