Life Skills FAQ
Q: What are the most important habits for long-term health?
Sleep 7-9 hours consistently. Daily movement (150 min moderate exercise/week minimum). Real food diet (vegetables, protein, complex carbs — minimise ultra-processed). Stress management (meditation, social connection, time in nature). Hydration (2-3L water daily).
Q: How to start building an emergency fund?
Target 3-6 months of expenses. Start with ₹1,000 automatic transfer on salary day. Keep in high-interest savings (not current account). Do not invest emergency fund in markets — must be liquid.
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Life Skills — Practice Q&A
Q: What is the 50-30-20 budgeting rule?
50% of income to needs (rent, food, utilities, EMIs), 30% to wants (entertainment, dining out, hobbies), 20% to savings and investments. Flexible guideline — adjust ratios based on income level and goals. High-cost-of-living cities may need 60% for needs.
Q: What should an emergency fund contain?
3-6 months of essential expenses (rent, groceries, utilities, loan EMIs, insurance premiums). Stored in liquid, easily accessible accounts (savings account, liquid mutual funds). Not in stocks or fixed deposits with long lock-ins. Target: at minimum Rs 1 lakh before starting investing.
Q: How does compound interest work?
Interest earned on both principal and previously earned interest. Rs 10,000 at 10% per year: Year 1 = Rs 11,000. Year 2 = Rs 12,100 (not Rs 12,000). After 30 years = Rs 1,74,494. Rule of 72: divide 72 by interest rate to get years to double (72/10 = 7.2 years at 10%).
Q: What are the health benefits of 8 hours of sleep?
Memory consolidation (hippocampus transfers short-term to long-term memory), hormone regulation (growth hormone released during deep sleep), immune function (cytokine production), cardiovascular repair, emotional regulation (amygdala resets). Sleep deprivation causes: impaired judgment, increased cortisol, insulin resistance, weakened immunity.
Q: What is the difference between Type 2 diabetes prevention and management?
Prevention (pre-diabetic): lifestyle changes alone can reverse pre-diabetes — 150 min moderate exercise/week, 7% weight loss if overweight, dietary changes (reduce refined carbs, increase fiber). Management (diagnosed T2D): lifestyle + medication (Metformin first-line), blood glucose monitoring, HbA1c target below 7%, regular eye/kidney/foot screenings.
Q: What are the first aid steps for a burn?
Never: use butter, toothpaste, or ice — worsen the injury.

