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The speaker discusses a commonly asked question regarding payment structures in contracts. They emphasize the importance of specifying payment breakdowns rather than just the total amount. Many clients prefer not to pay everything upfront, especially for first-time collaborations. The speaker recommends the 50/25/25 payment method: clients pay a 50% non-refundable deposit upfront to cover pre-production and most of production costs. A further 25% is due after the first round of edits, which will include watermarked content until full payment is made. The final 25% is collected upon project completion.