Document pack
First Job, First Paycheck Kit: Your Pay Stub, W-4, NJ Deductions, a Budget and a Roth IRA
Understand your first paycheck and set up good money habits from day one.
$12 one time · Word and PDF · download link by email
Who it is for
Teens, students and new graduates starting their first job, and parents helping them.
Why it is different
- NJ rates from the Department of Labor for 2026.
- Roth IRA limits from irs.gov.
- Word files to fill in and PDFs to print.
What is inside
- Reading your pay stub. Every line explained, with space for your numbers.
- W-4 basics. Which steps to fill in and when to update it.
- NJ paycheck deductions. 2026 UI, workforce, TDI and FLI rates and wage limits.
- Bank accounts and budget. Opening accounts and a simple monthly budget.
- Starting a Roth IRA. The 2026 limit, income limits and a plan.
- At tax time. Your W-2 and filing by April 15, 2027.
A look inside
The first pages, as you will get them
Get it
First Job, First Paycheck Kit
Want every toolkit? The toolkit membership includes all of them, with a lower rate if you pay yearly.
Delivered as a zip of editable Word files and printable PDFs. For one business, your own use. General information and templates, not legal, tax or accounting advice. General information, not tax or investment advice. It doesn't recommend any bank or investment. Not affiliated with any agency. Payment is handled by Stripe. If a file will not open or something looks wrong, reply to your order email and we will make it right.
Also from MCC Solutions
Month-End Close Workbook
A real month-end close in one Excel file. It tells you when a rec does not tie, which variances still need an answer, and when the period is ready to lock.
$19
Sales-Channel Profit Tracker
Which channel makes you money, and which one only looks busy? Sales minus cost of goods, shipping, platform and card fees and event costs, by channel, by event and by month.
$24