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How To Spend The Money From Your First Job

"The first thing you need to do is pay yourself first," says co-founder of AE Wealth Management and best-selling author David Bach. For Bach, this means you should set aside a portion of the money you make from your first job in a retirement account. Bach suggests putting money into a 401(k) plan if it's available. A 401(k) is is an employer-sponsored retirement savings account that offers tax advantages. Since money is taken from your paycheck before it reaches your checking account a 401(k) helps automate the savings process. Many companies offer a 401(k) match, which is essentially free money. How much of your first paycheck should you save? Bach suggests thinking about how much to save in terms of hours of your life. He suggests keeping "one hour a day of your income." If you earn $50k per year that works out to about $25 per day. If you think about savings in terms of percentages this comes out to roughly 10% of your gross income. » Subscribe to CNBC Make It.: http://cnb.cx/2kxl2rf About CNBC Make It.: CNBC Make It. is a new section of CNBC dedicated to making you smarter about managing your business, career, and money. Connect with CNBC Make It. Online Get the latest updates: https://www.cnbc.com/make-it Find CNBC Make It. on Facebook: https://cnb.cx/LikeCNBCMakeIt Find CNBC Make It. on Twitter: https://cnb.cx/FollowCNBCMakeIt Find CNBC Make It. on Instagram: https://bit.ly/InstagramCNBCMakeIt #CNBC #CNBCMakeIt How To Spend The Money From Your First Job