I just got my SSN, what are the first three money moves I should make?

First, open a U.S. checking and savings account and set up direct deposit, this becomes your financial home base. Second, start building credit immediately: get a secured or newcomer credit card, put one small recurring bill on it, and pay it in full every month; a credit file typically appears within six months. Third, capture free money at work, enroll in your employer's 401(k) at least up to the match, and set up your tax withholding correctly on Form W-4. Right behind those, build a small emergency fund (start with one month of expenses, aim for three to six) because visa-linked jobs add risk. Doing these four things in your first 90 days sets up everything else. See wealthserene.com/assessments/immigrant-readiness.