Preparing your checklist...
Set up your financial foundation right from your first paycheck.
Contribute at least enough to get the full employer match
Split between checking and savings automatically
Target 3-6 months of expenses in a high-yield savings account
Use the 50/30/20 rule: needs, wants, savings
Compare HSA-eligible high deductible vs. traditional plans
Use the IRS withholding estimator to avoid over/under-paying
Pay in full monthly; earn cash back or travel points
Even $100/month at 22 grows to $300k+ by retirement
Consider income-driven repayment if eligible
Track W-2, 1099s, deductions from day one