Ask For It

Most people looking for more money think about earning it. A side hustle. An investment. And they walk straight past the simplest source there is: the money that is already theirs, sitting there, waiting to be claimed.

It is in a salary nobody has negotiated in four years. In a security deposit quietly kept. In subscriptions nobody uses. In a contractor's invoice nobody checked.

This book promises you no returns and no path to quick wealth. It promises something more reliable: negotiating is the only way to increase your money that carries no risk. You invest nothing. You can lose nothing. The worst possible outcome is a no - which is exactly the situation you are already in.

You will learn:

• The raise conversation: name the number, counter the four standard objections, turn a no into a date
• The job offer: your one moment of maximum leverage - and how most people give it away
• Freelance rates: your true hourly cost, fixed pricing, raising rates on existing clients
• Insurance, phone, internet: the retention-department method that recovers hundreds a year
• The subscription audit that almost always finds something
• Your real rights: what ROSCA actually gives you - and why the FTC's click-to-cancel rule is not currently in force
• Your security deposit: the deadline most landlords count on you not knowing
• Contractors, defective goods, and the dispute letter that actually works

And throughout: AI as your practice partner. It drafts your letters, translates your contracts, and - most valuable of all - rehearses the conversation with you, as many times as you want, until you are steady. Someone who has practiced a conversation five times walks in a different person.

With a full prompt collection, ready-to-send template letters, and a yearly plan that turns all of it into habit.

The money is sitting there. Ask for it.