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Chapter 3
Your Money Today
Practical guides for the money decisions you make every week, from reading a pay stub to building a cushion for the unexpected.
Understanding Your Paycheck
Gross vs. net pay, taxes, deductions and benefits: how to read a pay stub and know where your money goes.
Budgeting Basics: A Plan for Every Dollar
Simple budgeting methods, the 50/30/20 rule and zero-based budgeting, and how to build a budget you'll actually keep.
Spending Habits: Where Money Really Goes
How small daily purchases add up, how to track spending, and simple habits to spend on what matters most.
Emergency Savings: Your Financial Cushion
Why an emergency fund matters, how much to save, where to keep it, and how to build one even on a tight budget.
Helpful resources
Axos Bank
An online bank with checking and savings accounts, a place to compare rates for an emergency fund.
Compare accounts at Axos Bank (opens in a new tab)TurboTax
Tax preparation software that walks you through your return step by step.
Start your taxes at TurboTax (opens in a new tab)We are not paid by the companies listed here.