06/09/2026
That first direct deposit hits different. You earned it. You deserve to enjoy it. But before it disappears in one good weekend, try this:
Give every dollar a job using the 50/30/20 rule.
50% goes to needs — gas, food, phone bill. The boring stuff that keeps life running.
30% goes to wants — going out, new clothes, concerts. The fun stuff. You earned it.
20% goes to savings — open a separate account and automate it. If you never see it, you won't miss it. Even $20 a week turns into $240 by the end of summer.
The trick? Set up your savings transfer the same day you get paid. What's left after that is guilt-free spending money. Your summer job is temporary. The habits you start now aren't. M1 makes it easy to open a savings account, set up auto-transfers, and start building something that lasts longer than summer.
Head to https://www.m1ccu.org/ to get started. Tag someone who needs to see this before their first check drops.
