Blog
Most writing about pay is produced by people who have never had the conversation. These are the questions I get asked, answered with what I actually did and what it actually paid.
Getting paid
How to negotiate a job offerThe week before you sign is the most leverage you will ever have with that company. The sentences that move the number, and what to ask for when the base will not move.How to ask for a raise, in five sentencesFifteen years in sales and not once did a manager offer first. The exact words that took my pay from €2,000 to €12,500 a month.What is OTE, and what nobody tells you about itOn-target earnings is half promise and half forecast, printed as one number. The six things to check before you sign.Am I underpaid?Four checks that turn the feeling into a number, including the uncomfortable one about whether the seat can pay you at all.
Keeping more
Financial freedom
Your financial freedom number, worked out properlyFinancial freedom is four different numbers and most people chase the most expensive one by accident. Pick the one you want, then work out what it costs.The 4% rule was written for a 65-year-old AmericanUS data, a thirty-year retirement, a specific portfolio and no tax. If you plan to stop at forty in Europe, almost none of that describes you.
The calculators are separate, in free tools.