Pay Raise Interview Question:

Why should you not ask for a pay raise because of financial hardship?

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Here is one thing never to do when asking for more money. Never ask for it nor justify it because of your need. If you work for a for-profit entity, as many of us do, your need is completely irrelevant. While I can personally be hugely empathetic to your financial needs and hardships, I can not justify increasing your compensation because of them that is unfair to the company and to any coworker who puts in the same effort but walks away with less.
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