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Life Events: Your first job

Life happens. Will you be ready?
Throughout your investing life, you're going to experience life events — some planned, some not — that will affect your finances.
We're here to help you prepare for those critical times of financial change.

Your first job

Congratulations on reaching an important milestone. These resources can help you get your finances and working life off to a great start.
Keep in mind:
Start to pay back school loans, credit cards and other debts
Budget against your expected take-home pay
Build an emergency fund of 6 months' worth of living expenses
Take advantage of any employer match to start investing for retirement

of a paycheck

See how your paychecks get divided up, and what's left over.

You & your budget:
Live within your means

Creating and following a budget can help you pursue your financial goals.

Your 401(k):
10 things to find out

Starting a new full-time job? If your company offers a 401(k) plan, you may have decisions to make.

4 tax moves to consider
early in your career

Ready to get started?
Looking for a different approach to investing?
An investment advisory program that combines the best features of online investing with a professionally managed portfolio.Footnote 1
Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.