USA Today: Rita Cheng talks about “5 things to do with your first paycheck”

USA TODAY: There’s no better feeling than landing your first job and depositing that first paycheck. But with that money comes responsibility: You need to figure out how to stretch your wages to pay your bills while setting money aside for emergencies, retirement and life’s other big costs.. What you do with those early paychecks “can really set a tone for your personal finances” for the future, says Marguerita Cheng, CEO of Blue Ocean Global Wealth, an investment advisory firm in Gaithersburg, Maryland.