Getting Free Debt-Crushing Software Through Your Employer: That One Ask That Changes the Offer

https://varimail.com/articles/how-a-mid-career-engineer-built-a-40k-education-war-chest-by-treating-an-hsa-like-a-financial-swiss-army-knife/

That moment you realize a tiny line in the offer letter can be worth hundreds or thousands of dollars in reduced interest and faster payoff - that's when negotiation stops being about salary and starts being about smarter compensation design