YouTuber who became a millionaire at 32 shares how she saves money on bills: 'If you're buying...'

Rose Han, a former Wall Street trader turned financial educator on YouTube, says one of the most overlooked tools for saving money is negotiation — even on bills most people assume are fixed. Han, a first-generation Korean-American and author of Add a Zero, became a self-made millionaire by 32 after paying off $100,000 (about Rs 88 lakh) in student debt. Her YouTube channel, which teaches a freedom-focused approach to wealth, has grown to over one million subscribers.

“Most people assume their bills are non-negotiable and set in stone,” Han said. “But almost everything is negotiable. Companies build a cushion into their pricing because they expect some customers to ask for a better deal. Most people just never bother.”

Han recommends two key strategies: anchoring and framing.

Anchoring involves setting the first price in a negotiation to shift the reference point. “If you’re buying a used car listed at $15,000 (about Rs 13 lakh), don’t start by asking for a discount. Start by saying you’ve seen similar models for $12,000 (about Rs 10.5 lakh). That becomes the anchor,” Han explained. She advises backing up your anchor with credible data points to strengthen your position.