How to Read Your Pay Stub: Gross vs Net Pay Explained

Описание: Your job offer said $60,000 a year. Your paycheck says something very different.
Here's why.

In this video we read a real pay stub line by line: gross pay, federal income tax, Social Security (6.2% up to the 2026 $184,500 wage base), Medicare (1.45%, no cap), state and local taxes, pre-tax deductions like your 401(k) and HSA, post-tax deductions like Roth contributions, YTD totals, and the hidden employer money that never shows up — the 7.65% FICA match and your 401(k) match.

Plus the mistakes that cost people real money: budgeting off salary instead of take-home, never checking hours, and a stale W-4.

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This video is for educational purposes only — not financial advice.