Employers will happily take you up on a discounted rate if you offer it. But then they'll also pay you your market value if you ask for that instead. So that's

Employers will happily take you up on a discounted rate if you offer it. But then they'll also pay you your market value if you ask for that instead. So that's what I do. Took a few years to work that out though, personally, so I'm glad you asked for the benefit of anybody else who may not realize it yet.