Schwab MoneyWise ®
Schwab MoneyWise®

Starting Out

Our Two Cents

There’s a lot to think about when starting a new job, but don’t wait to set up your 401k and saving accounts. The longer you save and invest, the more time your money has to grow with compound interest.

So, you have a new job, your own money—maybe even a new apartment. That means you have the freedom to do what you want. But it also means you have bills to pay, taxes to file, and new financial responsibilities.

Managing the details can seem challenging, but don't worry. You're in the right place. Start here to get the information and guidance you need. Invest a bit of time in getting organized up front, and you'll be prepared to make the financial decisions that come with starting out on your own.

The payoff? More of your own money in your pocket. That's worth it, right?

You'll find what you need to know in the Essentials section:


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Investing involves risk, including possible loss of principal.

The information on this website is for educational purposes only. It is not intended to be a substitute for specific individualized tax, legal, or investment planning advice. Where specific advice is necessary or appropriate, consult with a qualified tax advisor, CPA, financial planner, or investment manager.

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