3.1 Punto de acceso a la imagen: Desglose de un cheque de pago
Objetivos de aprendizaje de la lección:
- Gross vs. Net Pay – Recognize the gap between what you earn and what you take home, and why it matters for budgeting.
- Payroll Deductions – Identify common taxes and deductions (federal, state, Social Security, Medicare, insurance) that shrink your paycheck.
- Tax-Funded Benefits – See how your tax dollars support public services and future programs like Social Security y Medicare.
Reading a Pay Stub – Learn to read a pay stub to track income, deductions, and employer-paid benefits such as retirement contributions.
Información clave de la lección:
- Net Pay Is Smaller – Gross pay is your full wage; net pay is what’s left after deductions, so expect your paycheck to be lower than your hourly or salary rate.
- Deductions Matter – Taxes, Social Security, Medicare, and insurance reduce your check but fund schools, emergency services, and your own future benefits.
- Social Security & Medicare – Workers pay 6.2 % and 1.45 %; self-employed pay both shares, financing income and healthcare support later in life.
- Earned vs. Unearned Income – Earned income comes from jobs and tips; unearned income from interest or dividends—knowing both types helps you plan for taxes and savings.
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