Your first paycheck should not come with ten expensive lessons.
The first years of earning bring decisions that can shape your finances for years: which bank account to open, what your pay stub actually means, whether to get a credit card, how much rent you can afford, what to do about student loans, and whether you are ready to invest.
Your First Ten Money Decisions turns those moments into a clear visual system. Instead of overwhelming you with everything there is to know about money, it helps you make the next decision in front of you-then shows you when to review it.
Inside, you will learn how to:
read a paycheck before changing your deductions
choose bank accounts without getting trapped by avoidable fees
route income into spending, bills, a cash buffer and future goals
use a first credit card without letting it use you
test whether an apartment or car is truly affordable
make sense of federal student-loan choices
choose the insurance you need now-not every policy someone wants to sell you
start investing with simple, verifiable principles
recognize scams before urgency overrides judgment
Follow Maya, a 22-year-old beginning her first salaried job, through consistent worked examples. Use the visual guides, decision cards and 20 worksheets with your own numbers. Return to each decision when its review trigger appears-a raise, a move, a fee, a lease renewal or a rule change.
One decision. One action. One review trigger.
You do not need to become obsessed with money. You need to make these ten decisions on purpose instead of by default.
外文書商品之書封，為出版社提供之樣本。實際出貨商品，以出版社所提供之現有版本為主。部份書籍，因出版社供應狀況特殊，匯率將依實際狀況做調整。
無庫存之商品，在您完成訂單程序之後，將以空運的方式為你下單調貨。為了縮短等待的時間，建議您將外文書與其他商品分開下單，以獲得最快的取貨速度，平均調貨時間為1~2個月。
為了保護您的權益，「三民網路書店」提供會員七日商品鑑賞期(收到商品為起始日)。
若要辦理退貨，請在商品鑑賞期內寄回，且商品必須是全新狀態與完整包裝(商品、附件、發票、隨貨贈品等)否則恕不接受退貨。
