My rate is X is the answer to the question. When they start talking numbers, that's an indication it's time to move to close the sale - assuming you want it at

My rate is X is the answer to the question. When they start talking numbers, that's an indication it's time to move to close the sale - assuming you want it at that point. So anchor it where you want to start the negotiation and be prepared to walk. Remember, you're worth it. Let somebody else have the dross.