Unit
Job Onboarding & Independent Living
A first paycheck brings new decisions. Students cover net pay, taxes, benefits, the cost of moving out, checking, and credit.
Lessons
The amount earned at a job isn't the amount available to spend. Learn about gross and net pay and mandatory payroll deductions.
Every employed American is responsible for paying employment and income tax. This lesson focuses on how to determine your tax responsibility, paperwork required for employment, and the progressive tax structure of the IRS.
Total compensation isn't just wages or salary earned. Explore how tax-exempt perks, pretax savings, non-monetary benefits, and OSHA-protected safety rights combine to reveal a job's true value.
Not all checking accounts and banking automation tools are created equal. This lesson explores how to choose the right account, use direct deposit and automation wisely, and lock down your banking app against scams and fraud.
Explore the real startup and hidden costs of independence, then build a plan for an Emergency Launch Fund that covers both surprises and security deposits.
Every time you swipe, tap, or sign is a promise to pay someone back later. This lesson introduces how borrowing works, why lenders charge interest, and what makes someone creditworthy.
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