3.1 Image Hotspot – Décomposition d'un chèque de paie

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 et Medicare.

Reading a Pay Stub – Learn to read a pay stub to track income, deductions, and employer-paid benefits such as retirement contributions.

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.