A lot of U.S. workers forget what benefits their HR director mentioned during the onboarding process. Interestingly, most American workers want some kind of financial help from work when asked.
Most jobs pay through direct deposit now and you can send the money wherever you want. This means you can split the money between two accounts.
Understand how enrollment works and if they offer incentives like matching. Take advantage of this tool and use it as early as you have access to it.
These can include savings accounts for out-of-pocket health care costs, childcare costs and work transportation.
Always take advantage of company insurance – it’s usually the most affordable and hassle-free option, anyway.
If you get a huge refund every year, talk to your HR department about decreasing your tax withholding. This will mean you get more money in each paycheck.