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adulting in america · est. 2026

you got your first real job.

day one is 80% paperwork. we show you every form and what to pick.

touches: workmoneyhealth

the path

start to finish.

we walk you through each of these pieces in order.

  1. 01
    before day one
    work · checklist
  2. 02
    what your offer letter is actually saying
    work · explainer
  3. 03
    the W-4, on day one
    money · explainer
  4. 04
    the 401(k) match — free money
    money · explainer
  5. 05
    benefits enrollment (health, dental, FSA, HSA)
    health · guide section
  6. 06
    reading your first real paystub
    money · guide section
  7. 07
    first-year money moves
    money · guide section

ready to read

pieces live now.

04
checklist work
First day at a new job

The things to get right in your first week. Most of it isn't the work — it's the paperwork.

04
guide work
Starting your first real job

The onboarding packet nobody explains: W-4s, 401(k) elections, health insurance, and the paystub that will have more deductions than you expected.

14 min read
01
explainer money
What a 401(k) match actually is (and why it's usually the best deal in your life)

Your employer's 401(k) match is free money — but only if you know how to unlock it. Here's how the math works, in plain English.

5 min read