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The speaker addresses a common question regarding payment structures in contracts. They emphasize the importance of not just stating how much to charge, but also detailing the payment breakdown. Many clients prefer not to pay everything upfront, especially if they're first-time customers. The suggested approach is the 50/25/25 rule: charge 50% as a non-refundable deposit upfront to cover pre-production and part of production costs. The remaining 25% is billed after the first round of edits, when the initial edit is presented, albeit with a watermark, and the final 25% is collected once the project is completed.