You are likely leaving money on the table every single month.

We are conditioned to believe that outside of a car dealership or a real estate closing, the price tag is the final word. That assumption is an expensive mistake. In an economy where inflation has driven up the cost of living, passive acceptance of prices is a luxury you cannot afford.

Prices for medical care, housing, and debt are often fluid — if you know the right levers to pull.

Here are some areas where the price is rarely set in stone.

1. Medical bills

The pricing structure in American healthcare is notoriously opaque, often based on “charge master” rates that are effectively arbitrary. Insurance companies never pay these rates, and neither should you.

This is one of the most effective places to push back. According to a LendingTree survey, 93% of Americans who tried to negotiate a medical bill reported at least partial success.

Before you pay, request an itemized bill. Look for duplicate charges or services you didn’t receive. If the bill is accurate but high, call the billing department. Ask for the “cash pay” price. Hospitals are often willing to accept a lump sum today at a 20% to 30% discount rather than chase you for the full amount over several months.

2. Credit card interest rates

If you are carrying a balance, your interest rate is likely sky-high. However, credit card issuers are far more flexible than they appear.

Competition for customers is fierce. Banks want to keep you, and they have retention departments dedicated to exactly that. A recent survey found that 83% of cardholders who asked for a lower interest rate were granted one. The average reduction was 6.7 points — a massive difference in your annual interest costs.

Call the number on the back of your card. Tell the representative you have been a loyal customer but have received offers with lower rates from competitors. Ask them to match those rates. It is a five-minute phone call that effectively puts money back in your pocket.

3. Rent renewals

When your lease comes up for renewal, the new contract often includes a rent hike. Most tenants sign it to avoid the hassle of moving, assuming the landlord holds all the cards. They don’t.

Turnover is expensive for landlords. They must clean the unit, market it, and risk a month or two of vacancy. Keeping a reliable tenant is usually cheaper than finding a new one.

Do your homework before responding to the renewal notice. Check listings for comparable apartments in your building or neighborhood. If similar units are renting for less, show that data to your landlord when you’re negotiating. If they won’t budge on the monthly rent, ask for other concessions — like a free month, a parking spot included or appliance upgrades.

4. Major appliances

Big-box retailers want you to think the price on the tag is final. But for major purchases like refrigerators, washers, and dryers, there is almost always wiggle room.

The secret lies in “scratch and dent” inventory or floor models. These are fully functional machines with minor cosmetic imperfections that retailers are desperate to offload. You can often secure 10% to 20% off simply by pointing out a small ding or asking about a floor model that has been sitting out.

Even if the item is perfect, you can negotiate on the backend. If you are buying a washer and dryer set, ask for a bundle discount. If you are paying for delivery and installation, ask them to waive those fees to close the deal.

5. Gym memberships

Gym business models rely on volume, and sales staff usually have quotas to hit.

The monthly rate might be corporate-mandated, but the enrollment fee or initiation fee is often pure profit — and the easiest thing for a manager to waive to get you to sign up.

Never sign up online. Go into the gym and speak to a sales representative, preferably near the end of the month when they are crunching to hit targets. If the enrollment fee is $100, tell them you are ready to sign today if they waive it. If they refuse, tell them you are looking at a competitor down the street. In many cases, the fee will disappear instantly.

The cost of silence

Negotiation is not about conflict; it is about business. Companies optimize their revenue by charging the maximum amount the market will bear. You optimize your finances by ensuring you pay the market rate, not the premium rate.

The worst outcome of asking for a discount is a “no.” The best outcome is keeping hundreds of dollars in your bank account where it belongs.