Negotiating Pay and Advocating for Value

This chapter explores effective strategies for increasing income through salary negotiations, emphasizing the importance of communication and demonstrating value to employers. It also highlights the unique challenges faced by women in these discussions and the benefits of job switching for financial growth.

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Renting is smarter than buying?!

Personal Finance Expert Nischa Shah breaks down the 65-20-15 hack to making money, why saving for a house might RUIN your path to financial freedom, and how to build REAL wealth through passive income, smart money habits, and beginner-friendly investing strategies.

Nischa Shah is a qualified accountant and ex-investment banker who walked away from a 6-figure career to teach millions how to take control of their money. She’s the creator of the fast-growing YouTube channel ‘Nischa’ with over 1 million subscribers, where she breaks down debt, saving, and investing.

She explains:

◻️The 65-20-15 money framework that generates passive income without a job.

◻️How to invest in index funds and retire early with compound interest.

◻️Why your job might be making you poorer every day.

◻️The dangerous lie about “saving = security” and what to do instead.

◻️Why the credit card trap is costing you thousands without you realising.

00:00 Intro

02:28 My Mission to Spread Actionable Money Tips

04:28 Trauma and the Link to Money Attachment Styles

08:34 The 4 Steps to Take Control of Your Finances

11:58 Paying Your Debts

13:55 The Emergency Financial Buffer We All Need