On: Ask HN: Personal Finance Advice for a 21 yo

[thesurlydev]

1. Live below your means.

2. Save more for retirement than you think you need. Leverage 401K matching and be critical about the performance.

3. Minimize your debt.

4. Always negotiate.

5. Have an emergency fund.

[gaws → thesurlydev]

> 4. Always negotiate.

In what context?

[thesurlydev → gaws]

In all contexts. Negotiate for higher salary, price on a car, etc. It never hurts to ask for a better deal.

[paulcole → gaws]

I can’t find it now but there was some guy who asked for a discount every time he made a purchase for like a year. He said it worked way more often than you’d think and that you just have to get over the self-consciousness of asking.

[meiraleal → paulcole]

Right but what's the strategy when they say no? Ask another shop? Buy anyway?

[paulcole → meiraleal]

Yeah, I think you’ve got it. Either you buy it or go to a different store.

I’m pretty sure it was part of the book “Rejection Proof: How I Beat Fear and Became Invincible Through 100 Days of Rejection” by Jia Jiang.