--- title: "First Job Kit: Pay Stub, W-4, Budget and Roth IRA | MCC" description: "For a first job: read a pay stub, fill in a W-4, check the NJ UI, TDI and FLI deductions, open bank accounts, build a first budget, start a Roth IRA…" url: "https://mcc-solutionsnj.com/toolkits/first-job-first-paycheck-kit" --- 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 · 14-day full refund · Word and PDF · download link by email Buy now, $12 Free sample [También disponible en español](/toolkits/es-primer-empleo) 🌙 The desk is asleep. The store never is. Every kit and ebook downloads the moment you pay, day or night. Questions get answered after we open in the morning. [Browse the store](/toolkits) Who it is for Teens, students and new graduates starting their first job, and parents helping them. Not the right fit if You've been working for years and already understand pay stubs, W-4s and budgeting. 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 [![Page 1 of the Reading Your Pay Stub (First Job, First Paycheck Kit)](/img/toolkits/first-job-first-paycheck-kit/doc-1.webp)](/img/toolkits/first-job-first-paycheck-kit/doc-1.webp) First page of Reading Your Pay Stub [![Page 1 of the W 4 Basics (First Job, First Paycheck Kit)](/img/toolkits/first-job-first-paycheck-kit/doc-2.webp)](/img/toolkits/first-job-first-paycheck-kit/doc-2.webp) First page of W 4 Basics Get it ## First Job, First Paycheck Kit Or pay with PayPal Uses the email and terms box above. You get the same download link by email. ZIP code (for sales tax) Want every toolkit? The [toolkit membership](/membership) includes all of them, with a lower rate if you pay yearly. Get every update for a year, $29: the [Yearly Updates Pass](/updates-pass?kit=first-job-first-paycheck-kit) gives you each refreshed edition we release of the kits you own. One payment, no automatic renewal. 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. Ways to get it ## Just this kit, or more This kit **$12 one time** First Job, First Paycheck Kit. Buy this kit Membership **$29 a month** Every kit and document pack in the store, including new ones. Cancel any time. [See the membership](/membership) Questions ## Common questions **What do I get and how is it delivered?** The First Job, First Paycheck Kit comes as a zip with six documents, each as an editable Word file and a printable PDF: Reading Your Pay Stub, W-4 Basics, NJ Paycheck Deductions, Bank Accounts and Budget, Starting a Roth IRA, and At Tax Time. The download link arrives by email after payment. **Will it open on a Mac, Google Sheets or my phone?** The PDFs open in any PDF reader, including on a phone. To edit, open the Word files in Word, Google Docs or LibreOffice on a Mac or PC. If a file will not open or something looks wrong, reply to your order email and we will make it right. If it is not right for you, email us within 14 days of buying for a full refund. **Is this legal or tax advice?** General information, not tax or investment advice. **Is it up to date for 2026 and 2027?** It uses 2026 figures: NJ paycheck deduction rates from the Department of Labor and the 2026 Roth IRA limit, with filing by April 15, 2027. Updates for later years are not promised. Free sample ### Try one page first Get a real page or file from this product by email. We send one confirmation email, and no series follows. Also from MCC Solutions [### Month-End Close Workbook A real month-end close in one Excel file. 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