More than 75 percent of people who ask for a lower interest rate on a credit card get one, but hardly anyone asks. From a higher salary to reduced medical bills, it's all about knowing how to ask the right questions. In this must-have money manual, personal finance expert Matt Schulz empowers you to ask for: A Lower Rate on Your Rent or Mortgage, Better Financing for An Auto Loan, A Refund on a Cancelled Flight, A Lower Phone Bill, A Fair Split for a Group Meal, and 40 more fiscal requests in seven key areas-credit and debt, healthcare, housing, shopping, travel, work, and relationships. Strategically organized by possible impact, estimated chances of success, and overall simplicity, the asks feature decision trees, success stories, potential risks, and other practical tools that skillfully guide you through the process and explain the data. Every request also includes easy-to-follow, fill-in-the-blank scripts to take the guesswork and stress out of asking. You have more power over your money than you realize, Put more of it in your pocket and keep it there. Often, all you have to do is ask.