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Personal Finance

— Building wealth and financial literacy
31 members Created Jun 2026

How much emergency fund is too much?

I've negotiated a raise at every job I've had for the past 8 years. Here's the approach that's worked most consistently.

First, do the research. Use Glassdoor, Levels.fyi, LinkedIn Salary, and direct conversations with peers at other companies. Know the market rate for your role in your geography before you walk into any negotiation.

Second, make the ask specific and anchor high. 'I'd like to discuss my compensation' is weak. 'Based on my research and my contributions over the past year including X, Y, and Z, I believe a 15% increase to $X is appropriate' is strong.

Third, time it right. The best windows are during a performance review, right after a major win, or when you have a competing offer in hand. The competing offer is the single strongest leverage you can have — use it honestly, never bluff.

My biggest negotiation resulted in a $14k base increase. The conversation took 20 minutes. That's the highest hourly rate I've ever earned.

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