{"product_id":"first-paycheck-to-first-roth-ira-2026-guide","title":"First Paycheck to First Roth IRA (2026 Guide)","description":"\u003cp\u003e\u003cstrong\u003eGot a job? You can open a Roth IRA.\u003c\/strong\u003e This 8-page guide walks college students through it in plain English: who qualifies, how much you can put in for 2026, where to open one, and what to do after so your money actually grows.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eWhat's inside\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe 60-second version\u003c\/strong\u003e, plus why college is the best time to start (with a $75-a-month example)\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eDo I qualify?\u003c\/strong\u003e What counts as earned income (part-time jobs, tips, work-study, side gigs) and what doesn't\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eHow much you can put in\u003c\/strong\u003e for 2026: up to $7,500 or what you earned, with examples\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eRoth vs. Traditional IRA vs. a regular brokerage account\u003c\/strong\u003e, side by side\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe \"escape hatch\":\u003c\/strong\u003e what you can take out any time, and what stays locked\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eWhere to open one\u003c\/strong\u003e, what to look for, and a 15-minute step-by-step setup\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eWhat to put inside it:\u003c\/strong\u003e target-date funds, total market and S\u0026amp;P 500 index funds, explained\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eMistakes students make\u003c\/strong\u003e and a student FAQ (financial aid, the Saver's Credit, being claimed as a dependent)\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eMy Roth IRA plan\u003c\/strong\u003e worksheet and checklist\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003ePairs with the free \u003ca href=\"\/pages\/paycheck-calculator\"\u003ePaycheck Calculator\u003c\/a\u003e: find out how much you could invest each month, then use this guide to decide where to put it.\u003c\/p\u003e\n\u003cp\u003eInstant digital download (PDF, 8 pages). Figures current as of October 2026, from IRS sources.\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003eEducational guide only, not tax, legal or investment advice. Written by a college student, not a licensed professional. Investing involves risk.\u003c\/em\u003e\u003c\/p\u003e","brand":"The Investors Bullpen","offers":[{"title":"Default Title","offer_id":67724831785109,"sku":null,"price":7.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0810\/5679\/2725\/files\/roth_ira_guide_cover.png?v=1792104754","url":"https:\/\/theinvestorsbullpen.com\/products\/first-paycheck-to-first-roth-ira-2026-guide","provider":"The Investors Bullpen","version":"1.0","type":"link"}