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Negotiation before starting a job is key. "Once you get inside your workplace," says author Kerry Hannon, "getting those raises gets harder and harder." Raises tend to be incremental, around 3% this year, but if you change companies, you could negotiate your salary much higher than that. A higher starting salary has repercussions down the line, like saving more for retirement. Do some reconnaissance about the company's salary ranges if you can. And remember: "Any time someone hires you, it's not about you; it's about them," says Hannon. "It's what you can do for them."

More: The 10 Commandments of Salary Negotiation