09/03/2026
Calculate your real hourly rate.
This is one of the most clarifying exercises I put in front of a salesperson and it's very simple.
This is NOT the number on your offer letter.
This is the actual take-home on the work you are chasing, divided by the hours it will truly take.
I sat with a lender who ran the math on a loan he had been pouring time into. A hundred and twenty-eight thousand dollar deal.
Once he accounted for the hours, the follow-ups, and the split, his take-home worked out to about... seventy-two dollars.
Seventy-two dollars, for work that was eating days he could have spent on far bigger, better-fit opportunities.
Here is what happened when he saw the number:
He stopped agonizing over whether to walk away.
The decision made itself.
This is not about ego or thinking any client is beneath you.
It is about honesty.
Every hour you spend on discount work is an hour stolen from the premium work only you can do.
Know your rate. It changes what you say yes to.