Thank you for choosing me for this role. I am very excited about joining your team. That being said, this is really hard for me, but I wanted to call you personally and share a challenge. While I could accept the job at this rate, it's on the low side of my income needs. I was really hoping for ____. This higher rate would ensure I could do this job without any concerns of covering my expenses. Additionally, if you could compensate me at that level I would make 100% certain that you felt you were getting every penny's worth. Would that be possible?