Can Talking Save You Thousands? This Millionaire Says Yes!
Rose Han’s Secret to Saving Big: Negotiate Everything
Rose Han didn’t just become a millionaire by luck. She paid off ₹88 lakh in student loans and built wealth by making smart, everyday choices. One of her most powerful tools? Negotiation—even on bills most people think are fixed.
Why Most People Overpay Without Realizing It
Many assume bills like rent, internet, or insurance are non-negotiable. But Rose says companies expect some customers to ask for discounts. They build extra margin into pricing, knowing that savvy buyers will challenge it.
“If you don’t ask, you don’t get,” she explains. And she’s right—most people never bother.
Two Strategies That Work: Anchoring & Framing
Rose recommends two simple tactics:
- Anchoring: Start with a lower reference price. If a car is listed at ₹13 lakh, say you’ve seen similar ones for ₹10.5 lakh. That sets the tone.
- Framing: Present your offer in a way that benefits both sides. Use data to support your anchor and show why your price makes sense.
These methods work not just for big purchases, but also for monthly bills, subscriptions, and even rent renewals.
How Rose Used These Tips to Build Wealth
After leaving Wall Street, Rose started a YouTube channel focused on financial freedom. Today, she has over 1 million subscribers. Her book Add a Zero teaches people how to multiply their income and cut wasteful spending.
She believes that small wins—like saving ₹500 on your phone bill—add up over time. And when you invest those savings, your money starts working for you.
🧾 Bills You Can Negotiate Today
- Internet and cable packages
- Insurance premiums
- Rent renewals
- Gym memberships
- Credit card interest rates
- Streaming subscriptions
Even if you’re shy, Rose suggests using email or chat to ask for better deals. Many companies offer hidden discounts if you simply ask.
Real-Life Example: Buying a Used Car
Let’s say you’re buying a car listed at ₹13 lakh. Instead of asking for a discount, say:
“I’ve seen similar models for ₹10.5 lakh. Can you match that?”
This shifts the conversation. You’re not begging—you’re negotiating with confidence.
❓ Frequently Asked Questions About Saving Money Through Negotiation
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