Most people quietly accept whatever number their boss or cable company throws at them, and it’s costing thousands over a lifetime. This episode of Your Money on Easy Mode takes aim at the fear of asking, showing you why silence is expensive and negotiation is one of the highest-ROI money skills you can build.

We dig into the two biggest negotiation opportunities you’ll face: raises and recurring bills. You’ll hear why employers expect you to counter a job offer (and how most people who ask walk away with more), plus the simple scripts that turn an “I’m not sure” into an extra $5,000 on your paycheck. Then we flip to the expense side—from internet and phone bills to subscriptions and insurance—with real-world examples of people saving hundreds in just one call.

This episode matters because these aren’t abstract tips; they’re practical, repeatable moves that immediately put money back in your pocket. If you’re ready to ask for more, pay for less, and finally stop leaving money on the table, hit play and start negotiating smarter.

Get my free guide to where to spend your next dollar: https://stan.store/YMOEM/p/get-the-easy-mode-money-ladder-now

Get my guide on how to destroy your debt: https://stan.store/YMOEM/p/get-the-easy-mode-guide-to-destroy-your-debt

Chapters

00:00 The Power of Asking

01:15 Negotiating Raises Effectively

05:58 Negotiating Job Offers

08:40 Reducing Monthly Bills

11:30 Managing Subscriptions Wisely

15:38 Wrapping Up: Your Action Plan

What if your money problem isn’t the lattes, it’s the life costs you’ve stopped questioning? In this episode, Damien pulls back the curtain on the real budget killers: fixed costs. He breaks down how rent, car payments, recurring bills, and even silent bank fees are eating up your cash flow, and more importantly, how to take them down without upending your life.

You’ll hear how to negotiate rent without sounding awkward, the case for keeping your old car longer, and why a 5-minute call to your bank or credit card company could save you hundreds. There’s also a step-by-step strategy for canceling unused subscriptions, negotiating better service rates, and plugging the silent leaks in your budget. Real-world stories, practical scripts, and no shame, just smart tweaks that create room to breathe.

This episode is for anyone who feels like they’re doing everything right but still stuck paycheck to paycheck. If you want to build wealth without cutting joy, it starts by shrinking the stuff that doesn’t spark it. Tune in and take back control of your cash flow.

Get my free guide to where to spend your next dollar: https://stan.store/YMOEM/p/get-the-easy-mode-money-ladder-now

Get my guide on how to destroy your debt: https://stan.store/YMOEM/p/get-the-easy-mode-guide-to-destroy-your-debt

Chapters

00:00 Understanding Budgeting Myths

01:24 Tackling Housing Costs

05:47 Rethinking Transportation Expenses

08:21 Managing Recurring Bills and Subscriptions

12:21 Fighting Back Against Bank Fees and Interest

15:46 Strategic Financial Moves for Growth

Ever feel like your money problems follow you around no matter how much you earn or save? That’s not just bad luck — it’s your invisible money scripts at work. These are the hidden beliefs we pick up in childhood — things like “money is evil” or “I’ll always be bad with money” — and they quietly shape every decision we make with our wallets.

In this episode, we break down the psychology behind these scripts and the four big money mindsets that run the show: the Avoider, the Worshipper, the Status Seeker, and the Vigilant. You’ll hear how they show up in everyday habits, from dodging bills to splurging on “status” purchases, plus real stories of people who challenged those beliefs and rewrote their money story. Along the way, you’ll get simple reflection exercises to spot your own scripts — and practical strategies to flip them.

Why does this matter? Because your bank balance isn’t just about math — it’s about mindset. Once you see the stories running in the background, you can finally take back the controls and use money as a tool, not a source of stress. Press play and start rewriting your money story today.

Get my free guide to where to spend your next dollar: https://stan.store/YMOEM/p/get-the-easy-mode-money-ladder-now

Get my guide on how to destroy your debt: https://stan.store/YMOEM/p/get-the-easy-mode-guide-to-destroy-your-debt

Chapters

00:00 Understanding Invisible Money Scripts

04:27 The Four Money Characters

06:19 Breaking the Scarcity Mindset

08:18 Tying Self-Worth to Income

12:46 Rewriting Your Money Story