← Guide libraryOne page for the fridge.Print

Why this sheet?A job only counts toward a Roth if you can show it was real and know how much it paid. This page is the whole routine in one place, so nothing gets missed between the first job and the April deposit.

Print it the week of the first jobPut it on the fridge, next to wherever you keep the work log.

Give your kid the coin chartThis sheet is for you. The coin chart is theirs to color in, one coin a month.

Pick one log night a monthSteps 1–3 happen all year. Steps 4–5 happen once, in winter.

Start a folder nowOne per year. Everything in the box at the bottom goes in it.

Rather not keep track yourself? The Club emails you on log night and reminds you when it’s time to deposit.Keeping records guide →

Your kid got a job. Congrats!
Now what?Five steps, from the first job to the Roth deposit.

1. 1
   Do the job, then log itSame day

   You set up the job and know who, where and until when. Afterward: date, task, hours, who paid and how much. It takes a minute.Use: Work log
2. 2
   Send an invoiceFor regular customers

   Weekly or monthly. It looks professional and leaves a paper trail.Use: Invoice
3. 3
   Get paid in a way that leaves a trailEvery payment

   Check or app, with a memo. Cash goes straight into your kid’s bank account. Save a photo or screenshot.
4. 4
   Total up the yearDecember–January

   Add up the monthly logs, collect any W-2s, and check whether your kid needs to file a tax return.Use: Year-end summary
5. 5
   Deposit, then invest itBy April 15

   Up to what they earned, or $7,500 for 2026, whichever is less. You can match it so they keep their pay. Then pick an investment so it can grow.

Keep together, one folder a yearWork logs · invoices · proof of payment · W-2s · supply receipts · year-end summary · Roth deposit confirmation

Young Roth Club · More help in the guide library.Education only. Not tax, legal, or investment advice.