Don’t be shy when it comes to your money. Those who know how to negotiate always come out on top. This is especially true when it comes to major purchases, such as a home or car, or when it comes to salary.

Surprisingly, only 38% of millennials negotiate their first salary, according to a NerdWallet survey. That’s a big mistake because employers said they actually had room in their budget to offer a bigger salary. Three-quarters of employers told NerdWallet they could have increased their first offer by 5% to 10%.

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