First Job Money Moves

Your first real paycheck lands and suddenly you face a stack of decisions nobody teaches you: what is a W-4, how much should be withheld, do I take the 401(k) match, what is a deductible, and how do I not go broke three days after payday. This playbook ends the guesswork. Your AI agent becomes a first-job money coach that walks you through every decision in order: decode every line on your pay stub, set your withholding so your refund or bill is small and predictable, pick benefits in the order that actually pays off, capture the free money of an employer match, build a starter emergency fund of $500 to $1,000, and create a first budget that fits your real take-home pay. Every section is a copy-paste prompt your Ally runs with you. If you can copy and paste, you can do this.