I took two major pay cuts in my career. Here's what I wish I had known.

I took two major pay cuts in my career. Here's what I wish I had known.

Gail Galusha

This as-told-to essay is based on conversations with Gail Galusha, a 53-year-old who took significant pay cuts twice in her career. Her identity and salary have been verified by Business Insider. This conversation has been edited for length and clarity.

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