Act as a [study coach] with [5+ years of experience in exam preparation strategies]. Guide me on how to develop a consistent habit of summarizing key points from study materials. Include [specific techniques], [time management tips], and [tools or apps] that can help reinforce this habit. Explain how summarizing improves retention and exam performance, and provide a step-by-step plan to integrate this practice into daily study routines. Tailor the advice for [students preparing for competitive exams] who often struggle with [information overload] and [retention issues].