Withholding and W-4
Update after job changes, marriage, dependents, second jobs, side income, or large credits.
Pay, benefits, and long-term money
Make work benefits work for you.
Understand withholding, employer plans, equity compensation, health accounts, retirement savings, debt, and tax-time records.
Health, HSA, FSA
Compare premiums, deductibles, employer HSA money, dependent care, and rollover rules.
401(k), 403(b), IRA
Capture match first, then compare Roth vs traditional, fees, vesting, and contribution limits.
RSU, ESPP, options
Track vesting, sale dates, basis, AMT exposure, tax withholding, and concentration risk.
Debt and score
Prioritize high APR balances, automate payments, monitor reports, and avoid payday traps.
Tax documents
Keep W-2s, 1099s, brokerage forms, student loan interest, tuition, charity, and childcare records.