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Negotiation is a prime source of good income. Take time to understand why you are asking for what you are asking for. Match that with what you have to offer a perpective client. Age should not be a barrier in todays IT world, too many 'graduates'have the technical edge but lack any practical use for the expertise. If you can establish and maintain a good relationship with your client/employer that offers value for the dollar you are asking, it will go a long way to increasing your finacialwell being.