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Starting a new job? Run this financial checklist from your mama before your first paycheck hits. Number one, health insurance. Check when covered starts, the monthly premium, deductible, and whether your doctors are in network. That cheap plan can get expensive, fast. Number two, retirement. Contribute enough to capture the full employer match and check the vesting schedule before calling it free money. Number three, review the HSA or FSA. Check what you can contribute and whether unused money rolls over. Number four. Read the PTO. Sick leave, holidays, parental leave and remote work benefits. Days off are part of your pay. Number five, update your tax withdrawal, direct deposit and beneficiary. Your salary is the headline, but your benefits determine what the job is really worth. Read the fine print before your mama has to call HR.