Resource pack · 4 sheets
First Job Pack.
Four handouts that cover a first real job end to end: read the first paycheck, weigh the offer, turn earnings into a Roth IRA, and handle gig or 1099 income.
For a teen or young adult starting their first job
michaelwestfinancials.com/resources/packs/first-job.html
- Worksheet · First paycheckFirst-paycheck breakdownA one-page fill-in sheet: copy the numbers off a real pay stub, see where each dollar went, then split the take-home across today money and tomorrow money.michaelwestfinancials.com/resources/first-paycheck-worksheetOpen & print →
- Conversation guide · First jobReading a first job offerThe wage is only half the offer. Score the benefits, talk through the trade, and learn the three questions to ask before saying yes.michaelwestfinancials.com/resources/first-job-offer-conversationOpen & print →
- Checklist · Teen Roth IRATeen Roth IRA starter checklistSix checkboxes from earned income to first contribution — what has to be true, how much is allowed, and the one number that makes the case for starting now.michaelwestfinancials.com/resources/teen-roth-checklistOpen & print →
- Conversation guide · Gig workStarting gig or 1099 workNo employer means four jobs become yours: health, taxes, a cash buffer, and retirement. Here's how to talk through each — and the one move to make this week.michaelwestfinancials.com/resources/gig-work-conversationOpen & print →
Each sheet is its own page — open it and choose Print orSave as PDF. Nothing is downloaded as a file, so every sheet is always the current version.