How you handle your first income shapes your finances for years.
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Start well
Step 1
Get an overview
Incomewhat comes in
Fixed costsrent, health insurance, subscriptions
The restto spend and save
Step 2
Pay yourself first
Save firstspend later
Standing orderset aside automatically
10 percenta good starting point
Step 3
Build a cushion
Emergency fund2 to 3 months' salary
Separatenot for daily use
Securityinstead of a loan
Step 4
The right accounts
Salary accountfor daily life
Savings accountfor your cushion
Pillar 3aretirement and taxes
Good to know
Are you starting right?
💡 First step: Your first salary is the best moment for good money habits – a budget, automatic saving and a cushion lay the foundation for everything else.