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LESSON 5 · Negotiate Your Worth

The Tax-Adjusted Truth

A $10,000 salary bump is not $10,000 in take-home pay. In many U.S. cases, taxes and deductions can shrink it closer to $6,000-$7,000. Benefits like health coverage, retirement match, or learning budgets may beat the same headline amount in salary.

Compare offers in after-tax dollars, not headline numbers. The picture can flip once flexibility and employer-paid benefits land correctly. Price perks carefully: equity refreshers, learning budgets, sabbaticals, and paid time back can change real value.