Reading a pay stub can be confusing. What are all the things that get taken out before the money hits your bank account? 

Let’s go through the most common line items on a pay stub and explain what they mean, which ones you can adjust, and how they affect your tax refund.

IRS withholding calculator: https://apps.irs.gov/app/tax-withholding-estimator 

• (00:00) - A spreadsheet of pay stubs
• (05:02) - Federal income tax withholding
• (06:47) - Social Security and Medicare
• (09:28) - State and local taxes
• (11:57) - Other pre- and post-tax deductions
• (14:06) - What percentage are you actually taking home?
• (16:59) - How and when to adjust your federal tax withholding

--- 
Steve Nay: 

• https://daybreaktax.com/ 
• https://www.linkedin.com/in/nsteven/ 

Tyler Smith: 

• https://www.tylersmith.io/ 
• https://www.linkedin.com/in/tylersmith-io/