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10th Grader Aims for AI Career: What Subjects and Courses to Choose?

Kasam

Kasam Shaikh  | Answer  |Ask -

AI Tech Expert - Answered on Jul 24, 2024

Kasam Shaikh is an experienced artificial intelligence professional and the founder of Dear Azure, an online community that specialises in Microsoft Azure, a cloud computing platform.
He has been honoured with Microsoft's AI award three years in a row.
Kasam is working as a senior solution architect at Capgemini, a French multinational information technology services and consulting company, and has authored five books on Azure and AI technologies.
A trainer, public speaker and mentor, Kasam is active on YouTube and LinkedIn where he shares his knowledge and counsels aspiring professionals on how to upskill and train in the latest cloud and AI technologies.
Kasam holds a bachelor's degree in computer science from Birla College, Kalyan, and has completed multiple certifications in cloud and generative AI from Microsoft.... more
Sapna Question by Sapna on Jul 13, 2024Hindi
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Career

Hello sir, im neelashree studying in 10th std from cbse board school. Im good in chemistry n IT. I wish to make my career in AI . Seeking for advice from u which subjects should i choose for the same in coming years and which courses should i opt for?

Ans: Hello Neelashree , To pursue a career in AI, you should focus on the following subjects in your higher secondary education:
Mathematics: Essential for understanding algorithms and data analysis.
Physics: Helps with logical thinking and problem-solving.
Computer Science: Provides a foundation in programming and IT concepts.
For courses after 12th, consider:

B.Tech in Computer Science with a focus on AI/ML.
B.Sc in Computer Science or Data Science.
Specialized certifications in AI and ML from platforms like edX, and Udacity.

This combination will prepare you well for a career in AI.
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Janak

Janak Patel  |62 Answers  |Ask -

MF, PF Expert - Answered on Jul 17, 2025

Money
I am 34 years old woman. Want to retire at the age of 50 years. I have 28 lacs PPF,360000 NPS, 3 mutual funds approx 60k in each. 11 lacs in PF. 2 loans - personal and car loan for 5 years. Personal loan already 1+ year gone car loan 2+ year gone.
Ans: Hi Priya,

Current Investments -
Your current investments are more (over 90%) in Debt than Equity e.g. PF (PPF+PF) = 39 lacs out total 44.4 lacs.
Debt investments like PPF/PF provide safely and security to the invested capital. But the interest rates just about help meet inflation. Growth is not achieved with these investments in the true sense.
Equity based investments like Equity Mutual Funds will provide growth in the long term (at least 5 years, and you have a good 16 years). Your current allocation is just over 6 lacs even assuming NPS as equity (check and update allocation to equity to max possible).

Loans-
Personal loans will typically have very high interest rates. This should be the first one you should try to close as early as possible. There is no point allocating any savings to investment giving less returns and paying high interest in this loan.
Car loan can continue as per schedule as its interest rate will be much less compared to Personal Loan. Unless you can prepay and close it also early, depending on your saving potential.


To retire early at age 50, you have the next 16 years to grow your corpus to a respectable amount.
I assume you are employed and contributing to PF and NPS. Hopefully you are contributing regularly to Mutual Funds also.
As income, expense and saving/investing details are unavailable I can provide some guidelines only.
Do try to maximize your monthly investment towards Equity Mutual Funds to accumulate a decent corpus for retirement.
Unless you are claiming tax benefits for PPF, consider lesser contribution to it now.
By the time you retire your Equity and Debt should be near 50% each, there by providing you safety and growth. In fact you can try to achieve higher Equity % if possible.
Overall your corpus should fetch average of over 10% returns (currently its under 8%).

Action items
1. Pay off personal loan ASAP
2. Invest maximum savings into equity mutual funds
3. Once you have done above 2, consult a CFP to help with retirement corpus - this depends on various factors, monthly expenses, life expectancy, etc.
4. Ensure you have adequate health cover. Take a topup plan with a higher coverage and lower premiums.

If you have other goals/requirements, then do discuss with CFP and arrive at a holistic plan.

Thanks & Regards
Janak Patel
Certified Financial Planner.

...Read more

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