SoFi

Salary negotiations can be one of the most stressful parts of the hiring process. You don’t want to offend your new employer but you don’t want to get shortchanged either. Making an appropriate counter offer requires a little skill and finesse to communicate your salary needs in a professional way.

That’s where knowing how to write a salary counter offer email comes in. A good counter offer email can help you build a stronger case for why you deserve a higher salary.

What Is a Counter Offer?

A counter offer is your response to the hiring company’s original salary offer. When you make a counter offer, you’re asking the company to reconsider its initial offer and bump the number. For example, if a company offers you a starting salary of $80,000, you might counter that with $85,000 or $90,000.

Making a counter offer is not uncommon, and some companies expect new hires to do a little bargaining for higher pay. There’s no guarantee that a counter offer will be accepted, but it’s still worth making one if you believe that you can get a better deal.

Writing a counter offer email can be a great way to communicate what you’re hoping to get. If you’re getting hired at your first job, you might not know how to write a counter offer salary email. The good news is that it’s not as complicated as you might think.

When To Counter a Salary Offer

There are different reasons that a job candidate might decide to make a salary counter offer. Here are some of the most common scenarios when a counter offer can be appropriate:

•   The company is offering a salary that’s below average for the industry.

•   You believe that your skills and/or experience are sufficient to command a higher salary.

•   The salary isn’t enough to meet your financial needs.

•   You’ve received a higher offer from a competing company.

If you’re negotiating salary for your first job, it’s important to find out what is competitive pay for this type of job and for someone with your experience?

Entry level salaries are naturally lower than salaries for people with more experience or education. That doesn’t mean, however, that you should automatically accept a lower salary for an entry level position if similar companies are paying more.

Researching pay ranges for the type of job you’re accepting can help you determine the high and low figures for a salary negotiation. It may also be helpful to know what trades make the most money and how much people earn at different levels within that trade or sector.

Recommended: Refinance Your Student Loans

Keys To Asking for More Salary

There’s some groundwork that goes into negotiating higher pay, either as a new hire or an employee seeking a raise. Here are some of the most important things to consider when asking for more pay:

•   Research average salaries across your industry for employees with skills or experience equivalent to yours

•   Know what you bring to the table, and be prepared to back that up with examples

•   Be confident in your approach

•   Be realistic and understand what the company can reasonably afford to offer you

Making your request for a salary increase in writing is also important, as it gives you an opportunity to outline in detail your reasoning for a pay boost. That’s where knowing how to write counter offer salary email messages comes in handy.

Should You Negotiate Your Job Offer (Even If It’s Already Pretty Good?)

Negotiating salary or other benefits isn’t something you necessarily have to do. And it’s possible that you might feel a little awkward asking your new employer for more money right off the bat. But it may still be worth negotiating certain aspects of your pay or benefits if you think there’s some wiggle room.

For example, you might be willing to accept a lower offer in exchange for stock if you think the company’s value is only going to rise in the future. One of the advantages of buying company stock through your employer is that you may be able to get it at a discounted price.

Tuition repayment assistance is something else that may be worth negotiating if you’re starting your career with student loans in tow. Employers are increasingly offering help with student loan debt and tuition to attract and retain talented employees. That type of benefit may be well worth negotiating if your company is open to the idea.

A signing bonus can also help balance out a lower salary. If the bonus is particularly lucrative, that might be a tempting reason to skip salary negotiations. Of course, you’ll want to brush up on the basics of how to ask for a signing bonus before you start negotiating.

Should You Negotiate Your Salary Through Email or a Phone Call?

If you’re interested in attempting to wrangle a higher salary from your employer, choose your approach carefully. Asking for a salary increase over the phone has its pros and cons. Your employer might feel like they’ve been put on the spot. Or you might be so nervous that you stumble over your words and don’t communicate your request clearly.

Putting your request in writing can take the pressure off both sides. It may be easier for you to explain why you feel you deserve a higher salary in writing and you can take your time with writing your email. You can expand on how you believe you’ll be able to help the company and why making a bigger investment in your salary is justified. You can also use your email to compare the salary offer to industry averages in order to underscore your case.

An email also gives your employer a chance to review your arguments and make a decision without feeling rushed. And should they decide to counter your counter offer, they may prefer sending it back to you in email format so there’s a paper trail of all salary discussions.

Steps To Making a Salary Counter Offer

Countering an employer’s salary offer can be nerve-racking, so it’s wise to have a plan or strategy going in. We’ve put together a helpful checklist for what to do when entering salary negotiations.

Research Comparable Salaries

As mentioned, it’s important to know what the average pay is for the industry and type of job you’re accepting. You don’t want to make a counteroffer that’s too far outside the norm of what employees with your same skill set and level of experience are making, as that can cause the employer to balk.

Wage data from the Bureau of Labor Statistics is a good place to start your research. You can also check salaries on sites like Payscale.com or Salary.com to see what kind of entry-level pay competitive companies are offering.

Review the Benefits Package

Before negotiating salary, it’s helpful to look at everything an employer is offering. That might include things like subsidized health insurance, a solid retirement plan, paid time off, stock options, tuition assistance, or a remote work option. Weighing the value of those benefits against salary can help you decide if it’s worth negotiating your pay.

If you’re offered great benefits but a lower salary, getting a second job can help bridge the gap. You may already have experience with making money on the side if you’ve ever held any jobs that pay for college, like babysitting, dog-walking, or doing gig work.

Know Your Value

A little self-awareness goes a long way. When you’re applying for your first job, you may not have a lot of professional experience under your belt yet. Instead, you can focus more on your college accomplishments, skills, personality traits, and other qualities that make you an attractive candidate for the job.

Take Time To Craft Your Counter Offer

The next step is the most important, because you need to make sure you’re wording your counter offer salary email carefully to convey what you want in a respectful way. You’ll want to start your email with a polite introduction and state your request briefly at the beginning. Then go into more detail explaining why you believe your counter offer is appropriate, and close the letter politely. It’s also important to verify to whom you should send the email to ensure it gets to the right place.

Negotiate With Your Employer

Once your employer receives your salary counter offer email, they’ll review it and then respond. The immediate response may be no, at which point you’ll have to decide if you want to continue attempting to negotiate. If the employer is willing to negotiate, you can then begin salary discussions to see if you can reach an agreement that suits you both. Being willing to compromise here is important, as coming on too strongly could cause the employer to rescind your offer and hire someone else.

Make Your Final Decisions

Once you’ve completed salary negotiations, your employer may give you a little more time to make up your mind. At this point, you’ll have to decide whether to accept their final salary offer or move on to another job. (By the way, hold onto the offer email — it can serve as proof of income for student loans and apartment applications.)

You may want to review your finances before deciding if the salary is acceptable. Using a free budget app can help you get a better sense of what kind of income you need to cover your spending.

If you decide to decline, you’ll want to do so politely. Burning bridges is a bad idea, in case you later apply for a position with the same company.

Recommended: Does Net Worth Include Home Equity?

Salary Counter Offer Email (Sample Templates)

If you’ve never attempted to write a counter offer before, you may not know what your letter should include. To make things easier, here are guides for how to write a counter offer email for salary in different situations.

Requesting Additional Compensation (Sample Email)

Dear [Hiring Manager],

Thank you for extending an offer at [company name] for the position of [title]. This is a very exciting opportunity, and I’m confident that I’ll be able to make a positive contribution to the team.

I am hoping there is room to negotiate the base salary for the role. According to my research, the industry average for this position is [salary range] for someone with experience and skills comparable to mine. I believe that a salary closer to [$$$] would be more appropriate, given my background and the requirements the role entails.

Please advise as to whether you’re open to discussing this at your earliest convenience.

Thank you and I look forward to your response.

Sincerely,
[Your name]

Responding to a Lowball Offer (Sample Email)

Dear [Hiring Manager],

Thank you for extending an offer at [company name] for the position of [titel]. This is a very exciting opportunity, and I’m confident that I’ll be able to make a positive contribution to the team.

I am hoping there is room to negotiate the base salary for the role, as it seems to be lower than the average salary typically offered for this type of position. According to my research, the industry average for this position is [salary range] for someone with experience and skills comparable to mine. I believe that a salary closer to [$$$] would be more appropriate, given my background and the requirements the role entails.

Please advise as to whether you’re open to discussing this at your earliest convenience.

Thank you and I look forward to your response.

Sincerely,
[Your name]

Leveraging a Competitor Offer (Sample Email)

Dear [Hiring Manager],

Thank you for extending an offer at [company name] for the position of [title]. This is a very exciting opportunity, and I’m confident that I’ll be able to make a positive contribution to the team.

I am hoping there is room to negotiate the base salary for the role, as I’m currently considering an offer from another company. They’re offering a base salary of [$$$] along with a competitive benefits package that includes [list any benefits your recipient’s company does not offer].

I’m very interested in accepting the offer to work at [company name] if you’d be able to [match or increase] the base salary. Please advise as to whether you’re open to discussing this at your earliest convenience.

Thank you and I look forward to your response.

Sincerely,
[Your name]

Accepting the Offer (Sample Email)

Dear [Hiring Manager],

I’m pleased to accept the offer for the position of [position name] with [company name] that was extended on [date]. I’m looking forward to working with the team, and I appreciate the opportunity to negotiate a compensation and benefits package that is agreeable to all parties involved.

Per our negotiations, I understand that my starting salary will be [$$$] and that my benefits package will include [list of benefits]. I look forward to beginning work on [date].

Many thanks,
[Your name]

Rejecting the Offer (Sample Email)

Dear [Hiring Manager],

Thank you for extending an offering of employment at [company name]. I’ve enjoyed getting to know you throughout the hiring process, and I appreciate your willingness to consider my request for salary negotiation.

At this time, I must respectfully decline the position. I thank you again for the opportunity to discuss the job, and I regret that we were unable to reach a compromise suitable to all parties involved.

I do hope that you’ll find a suitable candidate for the position.

Kind regards,
[Your name]

The Takeaway

It’s natural to want to be paid what you’re worth, and negotiating your salary may be necessary to get what you want when accepting a job offer. You’ll want to research competitive salaries for your industry and type of job, and also consider the full benefits package. In email communications with your potential employer, it’s important to always be polite, professional, concise, and confident.

Take control of your finances with SoFi. With our financial insights and credit score monitoring tools, you can view all of your accounts in one convenient dashboard. From there, you can see your various balances, spending breakdowns, and credit score. Plus you can easily set up budgets and discover valuable financial insights — all at no cost.

See exactly how your money comes and goes at a glance.

FAQ

How do you politely negotiate salary via email?

Politely negotiating salary via email comes down to using respectful language and clearly explaining your needs and expectations. You want to state your case clearly and simply, then allow your employer time to form a response.

How do you politely counter a salary offer?

Countering a salary offer politely means making your case for better pay firmly but respectfully. You want to ensure that you’re directing your counter offer to the right person and explaining your reasoning behind for asking for higher pay.

How do you negotiate salary after receiving a job offer?

Once you receive a job offer, you can review the terms and draft a short email to ask if the employer is willing to consider salary negotiations. You then have to wait for their response to see if they’re open to negotiating. If they are, you can make your salary counter offer.

---

About the author

---

Photo credit: iStock/ibnjaafar

SoFi Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. Based on your consent SoFi will also automatically provide some financial data received from the credit bureau for your visibility, without the need of you connecting additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of SoFi. The credit score is a VantageScore® based on TransUnion® (the “Processing Agent”) data.

Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

SORL-Q324-044

Read more

While there’s no universally required credit score needed to rent an apartment, having a solid credit score can certainly help your chances of a landlord handing you a set of keys. In general, a landlord will look for a credit score that is at least “good,” which is generally in the range of 670 to 739. However, that can vary by landlord or property manager, as well as the location in which you’re renting.

Read on to learn more about how your credit score can affect renting an apartment — and how you can approach renting if you have a lower credit score.

What Credit Score Do I Need to Rent an Apartment?

Truth is, the answer to what credit score you need to rent an apartment is a bit squishy. In general, you’ll have a better chance of approval if your credit score is at least deemed “good.”

What’s considered good? Credit scores are generally classified as follows per FICO® (keep in mind that different scoring models may vary):

•   Exceptional: 800-850

•   Very good: 740-799

•   Good: 670-739

•   Fair: 580-669

•   Very poor: 300-579

There also are variables that can affect whether your credit score qualifies you to rent an apartment. For example, if you live in a city where there is huge demand for apartments, landlords may give preference to those with higher credit scores.

Can You Get an Apartment if One Person Has Bad Credit?

If one person has bad credit, know that it will likely make it tougher for you to get an apartment. Landlords have a lot of leeway and can follow criteria of their choosing.

Still, it’s not impossible even if it is trickier. One smart strategy in this situation is to put the lease in the name of the person whose credit and income is best. You could also offer to show your income or provide a reference.

What Landlords Look at on Your Credit Report

When your landlord reads your credit report, they will be looking for clues about your financial health and habits.

Of much importance is your debt-to-income ratio. In a nutshell, this is the amount of your monthly pre-tax income that gets spent on debt payments. It’s certainly not news to you that filing for bankruptcy can have a negative impact on one’s credit. A landlord also may be spooked if you have hefty credit card balances.

Your credit history disclosed on your credit report also may include your rental history, since some landlords and rental property managers share your data with the credit bureaus. This can be a plus if you’ve been doing the right thing; if not, this can work against you.

Too many hard inquiries also can raise red flags for a landlord. This is because frequently applying for different types of credit could suggest financial instability, which increases risk in the eyes of lenders — as well as landlords.

How to Rent an Apartment with a Lower Credit Score

Just because your credit score isn’t stellar doesn’t mean you’re resigned to sleeping on a friend’s couch or living with your parents. There are ways to rent an apartment even with a lower credit score.

Pay a Higher Security Deposit

One way to show that your credit history is just history is by offering to make a higher security deposit. Say you are required to pay first and last month’s rent upfront. To sweeten the deal, maybe you tack on a couple additional months of rent.

If you want to instill confidence in your potential new landlord, this might do it. Just make sure you actually have the room in your budget to offer up the cash.

Recommended: What Is The Difference Between Transunion and Equifax?

Get a Cosigner

While getting a cosigner may put a damper on feeling like you’re finally a grownup, it may be worth sucking it up and getting a creditworthy parent or other trusted individual to cosign for your apartment. This can give your landlord peace of mind if someone is willing to pay the rent on your behalf if you’re unable to.

Just keep in mind that your cosigner will be on the hook if you miss a payment, and that cosigners generally must meet even steeper credit score and income requirements.

Play Up Your Income

Maybe your credit score is nothing to brag about, but you’ve worked hard and now have your finances in order, with solid savings and a good income. If you could show that you earn three or four times your rent on a monthly basis, that might divert attention from your lousy credit score. Additionally, if you have a solid stash in your savings account, that can also give your landlord assurance that you have the funds to cover your monthly rent.

Consider Getting a Roommate

Adding a roommate to your lease or rental agreement can increase your creditworthiness and your qualifying income. This is especially the case if you can find a roommate with good credit — and get your landlord to pull their credit first.

Benefits of Good Credit When Renting an Apartment

A landlord needs more than their gut instinct to help them determine who to rent to, which is why a credit score carries a lot of weight when it comes to getting your rental application approved. A good or — better still — an excellent score can give landlords the confidence to consider you for the apartment, especially if all other signals they get when checking on your background indicate they should give you the green light.

Having a solid credit score can help you to snag the apartment you want, and avoid the hassles associated with trying to secure an apartment when your credit isn’t as great, such as getting a roommate or a cosigner. Especially if you live in a city with a competitive rental market, a good credit score can be a serious edge.

How to Monitor Your Credit Score

Ideally, you want to monitor your credit and get a copy of your credit report before you start apartment hunting. It’s important to know where you stand, and if there are any errors, you want to fix them right away.

You can get free weekly credit reports from the three national credit reporting agencies: Equifax, Experian and TransUnion via AnnualCreditReport.com.

While your credit report provides information on your various credit accounts and their balances and your payment history, it does not include your credit score. You can check your credit score by looking at a loan or credit card statement or through an online credit score checker. You can also buy a score directly through credit reporting companies. Even if you might have checked your credit score not that long ago, don’t skip doing so again — your credit score updates every 30 to 45 days.

If your score is low, consider taking steps to improve it before jumping into your apartment search. Actions like paying down credit card balances and making sure you don’t have any more late or missed payments for a stretch can show progress.

Recommended: What Credit Score Is Needed to Buy a Car?

What to Expect in 2025

According to Zillow, a surge in apartment construction in 2024 is finally catching up with demand. As a result, rental affordability is at its best level in four years, and landlords are offering record-high concessions.

But that doesn’t mean housing prices are cheap. Apartment rents have risen 36.1% since the start of the pandemic. As of September 2025, the typical asking rent is $1,979.

The Takeaway

You’ll want to shoot for having a good credit score — generally in the range of 570-739 — to get an apartment. While you may be able to still get an apartment if you don’t have solid credit, it will make it more challenging with the competition you’re likely to face.

If you have the luxury of time, do what’s necessary to improve your score so that when you begin your search, you’ll be an ideal candidate. An online credit monitoring tool can make it easier.

Take control of your finances with SoFi. With our financial insights and credit score monitoring tools, you can view all of your accounts in one convenient dashboard. From there, you can see your various balances, spending breakdowns, and credit score. Plus you can easily set up budgets and discover valuable financial insights — all at no cost.

See exactly how your money comes and goes at a glance.

---

Photo credit: iStock/MixMedia

SoFi Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. Based on your consent SoFi will also automatically provide some financial data received from the credit bureau for your visibility, without the need of you connecting additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of SoFi. The credit score is a VantageScore® based on TransUnion® (the “Processing Agent”) data.

*Terms and conditions apply. This offer is only available to new SoFi users without existing SoFi accounts. It is non-transferable. One offer per person. To receive the rewards points offer, you must successfully complete setting up Credit Score Monitoring. Rewards points may only be redeemed towards active SoFi accounts, such as your SoFi Checking or Savings account, subject to program terms that may be found here: SoFi Member Rewards Terms and Conditions. SoFi reserves the right to modify or discontinue this offer at any time without notice.

Disclaimer: Many factors affect your credit scores and the interest rates you may receive. SoFi is not a Credit Repair Organization as defined under federal or state law, including the Credit Repair Organizations Act. SoFi does not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history, or credit rating. For details, see the FTC’s website .

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Third Party Trademarks: Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®

SORL-Q425-029

Read more

No matter if you are someone who files your tax return as soon as you have all your tax documents or a procrastinator who files at the very last minute, it’s important to be aware of when Tax Day is.

In most years, the IRS federal tax filing deadline — sometimes referred to as Tax Day — is April 15 of the following year. However, in some years, the IRS extends the filing deadline, usually if April 15 falls on a Saturday or Sunday.

What Is Tax Day?

Tax Day is an informal designation for the IRS federal tax filing deadline. Tax Day is usually April 15 of the following year. Most taxpayers are required to file a tax return each year. As part of the tax return, you will reconcile your income tax withholding with the actual amount of tax you owe, based on your income and household situation.

When Are Taxes Due? Tax Deadlines You Need to Know

If you make over a certain amount, you have to file taxes each year. Generally, the filing deadline is April 15 of the following year, however the IRS does sometimes extend the deadline by a day or two. This usually happens when April 15 falls on a Saturday or a Sunday. Make sure to check with the IRS to see when the tax filing deadline is this year.

What If I Can’t Make the 2026 Tax Deadline?

If you can’t file your taxes before the 2026 deadline, you have a couple of options:

•   File for an extension with the IRS. An extension gives you an additional six months to file your taxes without penalties. If you owe money, you’ll need to estimate how much and pay that amount with your extension form. A money tracker can be a helpful tool in planning for your tax payment.

•   File a late return without an extension. If you owe money and file late, you could be charged penalties and/or interest. If you don’t owe taxes — or you expect to get a refund — you may not face additional fees, though it’s still a good idea to file as soon as you can.

When Are Taxes Due?

If you are filing taxes for the first time, you’ll want to make sure that you are aware of the state and federal filing deadlines. In most years, taxes are due by April 15 of the following year.

If you file your tax return or make any payment for taxes owed after the tax filing date, you may be subject to penalties and/or interest. If you’re unsure about what you can and can’t afford — especially with taxes in the mix — a spending tracker app can help.

“It’s also a good idea to check your pay stubs periodically to ensure that the deductions being taken out are accurate and align with your financial goals,” says Brian Walsh, CFP® and Head of Advice & Planning at SoFi. “To make sure the appropriate amount of taxes are being withheld from each paycheck, you may also want to revisit your W-4 annually and make any adjustments as your circumstances change.”

When Are State Taxes Due for 2026?

State taxes are another of the types of taxes that are required for many taxpayers. While some states do not have any income tax, those who live in or earn income in one of the states that levies an income tax may be subject to state income tax.

Generally, state income tax filing deadlines follow the federal tax deadline of April 15, though some states have different deadlines. For example, Iowa’s filing deadline is April 30, and Hawaii’s is April 20.

What Are the Other 2026 Tax Deadlines to Know?

In addition to the main federal tax filing deadline of April 15, here are other tax deadlines to be aware of:

•   January 15, 2026: 4th Quarter 2025 estimated taxes are due

•   February 2, 2026: Employers must send workers W-2 and 1099 forms

•   March 16, 2026: Tax returns are due for some business types. This may apply if you have taxes on investment property or certain other forms of business income.

•   April 15, 2026: 1st Quarter estimated taxes are due

•   June 15, 2026: 2nd Quarter estimated taxes are due

•   September 15, 2026: 3rd Quarter estimated taxes are due

•   October 15, 2026: Deadline to file your tax return if you filed an extension

•   January 15, 2027: 4th Quarter estimated taxes are due

Recommended: What Tax Bracket Am I In?

When Do You Mail in Your Tax Payment If You E-filed?

One of the most common tax filing mistakes can happen if you e-file your tax return and also owe tax. You might think that as long as your return has been filed by the deadline that it doesn’t matter when you mail in your tax payment. However, that is not the case.

The IRS is likely to assess a failure-to-pay penalty as well as interest on the amount owed if you do not pay by the filing deadline (generally April 15).

What Is the Tax Return Due Date for Filing Taxes With Extensions?

As you prepare for tax season, it’s important to understand that all taxpayers are eligible to file a free six-month extension. So the tax return due date for filing taxes with an extension is generally October 15.

It’s also important to understand that while an extension gives you six more months to file your return, it does not remove the requirement to pay any tax you owe by April 15. If you do not make a payment for at least the amount that you eventually owe, the IRS may assess penalties and/or interest on your balance.

Recommended: Your Guide to Tax Season 2026

The Takeaway

Every year, most taxpayers are required to file a tax return with the IRS. This tax return reconciles the amount of income tax paid throughout the previous year with the amount of tax actually owed.

When is Tax Day 2026? In most years, the federal tax filing deadline is April 15, however in some years the IRS adjusts the deadline. Failure to file your tax return or make the necessary payments before the filing deadline may result in penalties and/or interest on the amount due.

Take control of your finances with SoFi. With our financial insights and credit score monitoring tools, you can view all of your accounts in one convenient dashboard. From there, you can see your various balances, spending breakdowns, and credit score. Plus you can easily set up budgets and discover valuable financial insights — all at no cost.

See exactly how your money comes and goes at a glance.

FAQ

Is April 15th the last day for taxes?

Yes, in most years, April 15 is the last day to file your tax return and make your tax payment, if necessary. If you file your taxes or make your tax payment after the filing deadline, you may be subject to penalties and/or interest. However, in some years, the IRS extends the filing deadline, usually if April 15 falls on a Saturday or Sunday.

What is the deadline to file taxes for 2026?

The deadline to file your 2025 taxes is April 15, 2026. This is true regardless of what tax bracket you are in. The deadline to file your 2026 taxes is April 15, 2027.

Can I still file my taxes after the 15th?

While the tax filing deadline is normally April 15, at times it can be extended if it would fall on a Saturday, Sunday or holiday. In some years, the tax filing deadline is April 18. It is possible to file your taxes after the filing deadline. However, you may be subject to penalties and/or interest on any amount owed. If you are not going to file before the deadline, you should file Form 4868 to get a free six-month extension and also pay any income tax you might owe.

Are taxes due at midnight on the 15th?

Technically, taxes are due at 11:59 pm on the filing deadline date. Any returns or payments that you are mailing must be postmarked before then. If you are e-filing your return or making a payment online, it must be done by 11:59 pm on the filing deadline date. While the federal tax filing deadline is generally April 15 of the following year, the IRS does sometimes extend the deadline to April 16, 17, or 18.

How late can I mail my taxes?

You can mail your taxes at any time. However, if you file after the deadline, you are potentially subject to penalties and/or interest. The latest day to mail your taxes without penalty is usually April 15 of the following year, but in some years the filing deadline may be a day or two later.

What happens if my taxes are postmarked one day late?

If your tax return or payment is postmarked even one day late, you may be subject to penalties. If you owe taxes as part of your tax return, you may also be subject to interest on the amount owed. To avoid potential penalties or interest payments, make sure to postmark your return by 11:59 pm on the filing deadline day.

---

Photo credit: iStock/Brasil2

SoFi Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. Based on your consent SoFi will also automatically provide some financial data received from the credit bureau for your visibility, without the need of you connecting additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of SoFi. The credit score is a VantageScore® based on TransUnion® (the “Processing Agent”) data.

Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.

Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Third Party Trademarks: Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®

SORL-Q425-052

Read more

What’s considered a “good” salary in Texas depends on your household size and lifestyle, but most Texans make between $50,000 and $100,000 annually.

Texas cities have differing costs of living, of course — Austin is much pricier than Amarillo — so where you live in the Lone Star State also matters. Let’s break it down further.

What Is a Good Salary for Texas?

A good salary, in many people’s minds, is one that allows an earner to save, take vacations, eat out, and so on. But before we can calculate that amount, we need to look at the average income required to cover basic needs in Texas.

Each year, MIT releases living wage figures — the income that one or two working adults, with or without children, must earn to pay for basic living expenses. Living wage numbers are expressed as an hourly rate, and it’s assumed that the person will work full time.

Wages needed to cover basic needs are as follows:

Living Wage for 1 Adult
No children	$21.82
1 child	$36.26
2 children	$44.46
3 children	$56.09

Living Wage for 2 Adults, 1 Working
No children	$30.07
1 child	$35.93
2 children	$39.29
3 children	$45.13

2 Adults, Both Working
No children	$15.04
1 child	$20.49
2 children	$24.63
3 children	$29.56

If you multiply the hourly figure by 40 hours a week and 52 weeks, you’ll get the living wage as an annual salary. For an individual with no kids, that comes out to around $45,386.

That income would pay for rent and utilities, minimal food, healthcare, child care, and other basics. But it’s not enough to cover takeout, restaurant meals, a deluxe apartment, vacations, or savings for retirement or a house. A spending tracker app can help you figure out what you can and can’t afford.

Recommended: What is The Difference Between Transunion and Equifax?

Average Annual Salary in Texas

So what is a good yearly salary in Texas? According to MIT, the top three professions in Texas pay an average of $119,783, while the three lowest paying fields average out to around $31,333. Most Texans then make somewhere in the middle. However, statewide figures can’t tell you what constitutes a good salary in larger cities like Austin, where the cost of living is much higher.

Another measure of what constitutes a good salary: one that allows you to purchase an average-priced home. The average home price in The Woodlands, one of the most popular suburbs in the country, is around $575,000. A buyer would need to make over $160K to qualify for a mortgage. In the Panhandle or Dallas, however, home prices are considerably lower.

Average Annual Expenses in Texas

When determining a living wage, MIT considers these expenses: food, child care, medical, rental housing, transportation, internet and mobile, civic, and annual taxes (including individual income tax, payroll tax, corporate income tax, and excise tax, but not property tax). By the way, “civic” is a catchall category that includes cultural attractions, hobbies, and pets, while “other” groups together clothing and personal care items.

As noted above, one adult with no children requires a gross income of $45,386 on average. This is how that income might allocated:

•   Food: $3,862

•   Child Care: $0

•   Medical: $3,158

•   Housing: $14,313

•   Transportation: $10,165

•   Civic: $2,589

•   Internet & Mobile: $1,462

•   Other: $3,770

•   Taxes: $6,068

Supporting a family of two working adults and three children requires an income of about $122,972, which breaks down as follows:

•   Food: $13,808

•   Child Care: $24,890

•   Medical: $10,712

•   Housing: $23,614

•   Transportation: $18,915

•   Civic: $7,156

•   Internet & Mobile: $2,044

•   Other: $10,117

•   Taxes: $11,716

To compare your spending to these figures, sign up for a free money tracker app.

How Much Money Do You Need to Live Comfortably in Texas?

Comfort is in the eye of the beholder. Some people want luxuries while others embrace financial minimalism. This is a “less is more” attitude to spending. People who follow this philosophy focus on purchases that will add meaning to their lives.

When determining the income you need to live comfortably, factor in where you fall on the minimalism to luxury spectrum. There’s no “bad” answer; it’s just important to be honest when budgeting. Also, what changes are you willing to make in order to save more? For instance, would you downsize your home?

Texans with a financial minimalist philosophy will be comfortable with less money than someone who strives for luxury. Minimalists often reap the benefits of living below their means, which can make room for having an emergency fund, spending in ways that are better for the planet, and stressing out less about finances.

If you’d like a more structured approach to saving and spending, the 50/30/20 budget can help. The three numbers represent the percentage of income that will be allocated to needs, wants, and savings, respectively.

Recommended: What Credit Score is Needed to Buy a Car?

Which City in Texas Has the Lowest Cost of Living?

Harlingen (pop. 71,512) has a cost of living that’s 20.8% lower than the national average, according to recent data from the Council for Community and Economic Research. Harlingen is in the Rio Grande Valley, along the southern tip of Texas. Its median home sale price was $280,000 in November 2025.

The Takeaway

What is a good salary in Texas? It depends on your family size, location, and spending habits. Most individuals make between $50,000 and $100,000. You’ll need an income on the higher end of that range if you’re living in Austin, with its high cost of living. In Harlingen, on the other hand, where the cost of living is 20.8% lower than the national average, you can get by on much less. To live comfortably anywhere, it helps to track your spending and saving.

Take control of your finances with SoFi. With our financial insights and credit score monitoring tools, you can view all of your accounts in one convenient dashboard. From there, you can see your various balances, spending breakdowns, and credit score. Plus you can easily set up budgets and discover valuable financial insights — all at no cost.

See exactly how your money comes and goes at a glance.

FAQ

What is a livable salary in Texas?

The answer depends on your spending habits, locale, and how many people live in your household. The living wage for a single worker with no children is $45,386 before taxes, which is just enough to cover necessities. Two working adults with two children need a gross income of $102,460 to cover basic needs.

What is considered rich in Texas?

To be considered middle class in Texas, you’ll need to earn between $50,515 and $151,560, according to 2025 data from SmartAsset. In order to move into the upper class, you’ll likely need to earn more than $151,560.

What is the top 1% income in Texas?

You need to earn more than $743,955 per year to be in the top 1% in Texas. This is slightly higher than the national average.

---

Photo credit: iStock/gustavofrazao

SoFi Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. Based on your consent SoFi will also automatically provide some financial data received from the credit bureau for your visibility, without the need of you connecting additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of SoFi. The credit score is a VantageScore® based on TransUnion® (the “Processing Agent”) data.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Third Party Trademarks: Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®

SORL-Q425-023

Read more

People tend to think of vocational jobs — which require special skills and training, but not necessarily a college degree — as paying less than careers that call for higher education. But there are plenty of vocational jobs, in a wide range of fields, that can provide a competitive paycheck. And those jobs can be both personally rewarding and vital to the economy.

If you aren’t sure college is in your future — because of the cost, the time commitment, or the desire to pursue a skilled job for which you have a passion — read on to learn more about which vocational jobs are among the highest paying.

What Is a Vocational Job?

Vocational occupations generally require using specific skills that may be learned with hands-on training and/or classroom instruction — through an apprenticeship, for example, or at a vocational school or community college.

People may assume vocational jobs are mostly manual labor (think plumbers or machine operators), but that isn’t always the case. Many vocational jobs are done in an office setting, or in a hospital, airport, or school. And increasingly these jobs can require serious technical skills. So even though a vocational job won’t require a degree, workers may have to earn certain licenses or certifications to prove their proficiency, find employment, or advance in their career.

Reasons for Applying for a Vocational Job

If you look up the word “vocation” in the dictionary, you’ll see that it’s sometimes used to describe a strong desire or “calling” to do a certain kind of work. And for workers in many vocational careers — bakers, hair stylists, carpenters, landscapers — the work they do is truly their passion.

But there are other reasons why workers might pursue a vocational job, including:

Eagerness to Enter the Workforce

Because a vocational job doesn’t require a four-year degree, workers can get a head start on life:

•   Get into the labor force faster.

•   Start earning a competitive salary or hourly wage.

•   Begin saving and investing money.

Whatever your salary, you can use online tools that take the guesswork out of tracking your spending.

Avoid Heavy Student Debt

Vocational school costs less than a four-year college, which can mean spending less upfront and graduating with no loans or lower student loan payments.

Follow in Someone’s Footsteps

If the family business is HVAC repair, a bakery, or salon, it might have been a goal since childhood to lean into that legacy.

A Less-Traditional Path

Some extremely successful entrepreneurs, including tech executives like Bill Gates and Mark Zuckerberg, built their empires without earning a college degree. A college education can be a plus, but it isn’t a must for everyone.

Job Security

There likely will always be plumbers, auto mechanics, electricians, and cooks. And those aren’t the only vocational jobs that offer stability and competitive pay. Check out the U.S. Bureau of Labor Statistics’ current list of the “Fastest Growing Occupations,” which projects job growth to 2034. You’ll see wind turbine service technicians, occupational therapy assistants, solar panel installers, and several other vocational careers.

Recommended: The Highest-Paying Jobs in Every State

Pros and Cons of Pursuing a Vocational Job

Besides saving money and time on a four-year degree, there are other positives to pursuing a vocational career. Here are some to consider:

•   Unlike a career that requires a bachelor’s degree or higher, you probably won’t have to spend time studying material unrelated to the job you want.

•   Even while you’re in training, you’ll be making contacts that can help you in your career.

•   Many vocational jobs are stable and in high demand.

But there are some downsides to training for a vocational job:

•   If your education or training is too narrow in scope, you may have to go back to school if you decide to transition to a new job.

•   Your vocational program may not qualify for some types of federal financial aid.

•   Specialized careers often require continuing education to update skills and renew certifications.

Tips for Finding Vocational Jobs

If you think a vocational job might be right for you, here are some steps to consider as you get started:

Find a Mentor

Ask someone who is doing the job you’re interested in how they got started. They may be able to steer you toward a good training program, apprenticeship, or even a job.

Use Connections Made During Training

If you attend a vocational school, you likely will have access to networking events, career fairs, and job placement assistance. (Some programs offer lifetime placement assistance to their graduates.) Apprenticeships, certification courses, and even high school vocational programs may also offer opportunities to connect with potential employers.

Consider Enrolling in Job Corps

Job Corps is a free federal program that offers education, on-the-job training, and career assistance for young adults (ages 16 to 24). Career opportunities are available in a variety of fields, including automotive repair, manufacturing, construction, hospitality, renewable resources, health care, and homeland security.

Check Employment Sites and Job Boards

Many popular job boards include listings for apprenticeships and vocational jobs, as well as information on how to begin your job search.

22 High-Paying Trade Vocational Jobs in 2025

The money you can earn in any vocational job will vary depending on several factors:

•  Education and training

•  Certifications and credentials

•  Experience

•  Job difficulty

•  How much work you’re willing to put in

With that in mind, here are some high-paying vocational jobs to consider in 2025. (Average wages and job growth outlook are from Bureau of Labor Statistics data.)

1. Air Traffic Controller

Median Annual Salary: $147,740

Job Description: Coordinate the safe movement of various aircraft as they arrive and depart the airport.

Duties May Include: Using computers, radar, and visual references to direct air and ground traffic. Monitoring weather conditions. Alerting pilots to potential emergencies.

Entry Level Education Requirements: Associate degree plus training program

Job Outlook: 1% (little or no change)

Getting Started: Air traffic controllers typically earn an associate degree from an Air Traffic Collegiate Training Initiative (AT-CTI) program. Controllers also must meet several Federal Aviation Association (FAA) requirements, complete training at the FAA Academy, and obtain FAA certification.

2. Commercial Pilot

Median Annual Salary: $142,960

Job Description: Pilot a plane or other aircraft for a business, individual, or organization.

Duties May Include: Navigating and flying planes, helicopters, or other aircraft. Managing flight crew and interacting with ground crew. Assisting in maintenance and recordkeeping. Interacting with passengers.

Entry Level Education Requirements: Varies by employer

Job Outlook: 4% (as fast as average)

Getting Started: To get a commercial pilot certificate, applicants must meet federal requirements for age and flight hours. They also must pass a physical exam, including a vision test. And they must earn the FAA-issued certificates and ratings required for their job. For more on commercial pilot requirements, see our guide to paying for flight school.

3. Nuclear Technician

Median Annual Salary: $99,690

Job Description: Assist physicists, engineers, and others doing nuclear research and nuclear energy production.

Duties May Include: Using computers and other equipment to monitor and help operate nuclear reactors.

Entry Level Education Requirements: Associate degree

Job Outlook: 3% (as fast as average)

Getting Started: Many community colleges and technical institutes have associate degree programs in nuclear science, nuclear technology, or related fields. The amount of on-the-job training required to become a nuclear technician varies from one employer to the next and may be based on previous experience and education. Technicians often are expected to update their training throughout their career. Several certification programs are available.

4. Elevator and Escalator Mechanic

Median Annual Salary: $104,860

Job Description: Install and repair elevators, escalators, moving walkways, and related equipment.

Duties May Include: Testing, maintaining, and repairing electrical lines and control systems. Keeping inspection records.

Entry Level Education Requirements: High school diploma or equivalent

Job Outlook: 5% (faster than average)

Getting Started: This work, which is both technical and physical, requires participating in an apprenticeship program through a union, employer, or industry association. In many states, you must be licensed.

5. Radiation Therapist

Median Annual Salary: $110,820

Job Description: Use radiation equipment to treat cancer patients, typically in a hospital, doctor’s office, or outpatient center.

Duties May Include: Explaining treatment plans, treating and monitoring patients, and updating records.

Entry Level Education Requirements: Associate degree

Job Outlook: 2% (slower than average)

Getting Started: Accredited associate degree programs typically offer both classroom and hands-on training. Most states require some type of licensing or certification.

6. Dental Hygienist

Median Annual Salary: $93,890

Job Description: Provide screenings, treatment, and preventive care for oral diseases.

Duties May Include: Taking X-rays, cleaning teeth, advising patients about good oral hygiene, keeping records.

Entry Level Education Requirements: Associate degree

Job Outlook: 7% (much faster than average)

Getting Started: Look for a dental hygiene degree program accredited by the Commission on Dental Accreditation, which should offer both classroom and clinical education. To become certified as a Licensed Dental Hygienist (LDH), you must also pass any state-required licensure exams.

7. MRI Technologist

Median Annual Salary: $91,020

Job Description: MRI technologists produce diagnostic images for patients at health-care facilities.

Duties May Include: Working with physicians and patients to get requested diagnostic images using an MRI scanner.

Entry Level Education Requirements: Associate degree

Job Outlook: 5% (faster than average)

Getting Started: Some states require MRI techs to complete an accredited training program before they can be licensed. Accredited MRI programs typically require applicants to have an associate degree for acceptance. If you’re heading to school with this job in mind, you may want to focus on anatomy, biology, and other health-related courses.

8. Aircraft and Avionics Equipment Mechanics and Technicians

Median Annual Salary: $80,780

Job Description: Mechanics and technicians work in hangars, repair stations, and at airfields, repairing and maintaining aircraft and equipment.

Duties May Include: Diagnosing problems, repairing malfunctioning systems, installing new equipment.

Entry Level Education Requirements: Varies by employer

Job Outlook: 5% (faster than average)

Getting Started: Mechanics and technicians typically attend an FAA-approved aviation school, but some may gain their skills while in the military or on the job. You don’t have to have a degree, but you must be FAA-certified to work on aircraft.

9. Wholesale or Manufacturing Sales Representative

Median Annual Salary: $81,740

Job Description: Sell goods for wholesalers or manufacturers to a variety of businesses and other organizations, including government agencies.

Duties May Include: Working with clients in person and remotely to meet sales quotas and ensure quality customer service. Many sales representatives are given a specific geographical territory to cover.

Entry Level Education Requirements: Can vary depending on what’s being sold. Some products may require more technical knowledge than others

Job Outlook: 1% (slower than average)

Getting Started: Companies may offer a formal training program for sales employees that can include learning about all aspects of the product, from manufacturing to distribution. Certification and continuing education may be required.

10. Occupational Therapy Assistant

Median Annual Salary: $68,540

Job Description: Help patients work on skills needed for daily living and working.

Duties May Include: Working with therapists and patients to regain or improve basic life skills, such as getting up from a bed or chair, and walking. The job requires physical strength, patience, and good communication skills.

Entry Level Education Requirements: Associate degree

Job Outlook: 18% (much faster than average)

Getting Started: Occupational therapy assistants typically must obtain an associate degree from an accredited program that includes both academic study and field work. Most states require licensure.

11. Electrician

Median Annual Salary: $69,630

Job Description: Install, maintain, and repair electrical systems for businesses and homeowners.

Duties May Include: Problem solving when electrical systems aren’t working properly, reading blueprints, laying wire, and connecting fixtures.

Entry Level Education Requirements: High school diploma or equivalent

Job Outlook: 9% (much faster than average)

Getting Started: This job can require both physical and technical ability. Some electricians attend a vocational program and then move on to an apprenticeship. Others may learn their skills in the military, while many go straight to a lengthy (four to five years) apprenticeship. Most states require a license to do this type of work.

Recommended: Does Net Worth Include Home Equity?

12. Plumber

Median Annual Salary: $69,940

Job Description: Plumbers install, repair, and replace pipes and fixtures in homes and buildings.

Duties May Include: Knowing building codes and mastering everything from new builds to regular maintenance and emergency fixes.

Entry Level Education Requirements: High school diploma or equivalent

Job Outlook: 4% (as fast as average)

Getting Started: Plumbers typically learn their trade through an apprenticeship or vocational program. Most states have licensing requirements.

13. Civil Engineering Technologist / Technician

Median Annual Salary: $68,450

Job Description: Help plan, design, build, and maintain infrastructure projects, including roads, railroads, bridges, and dams.

Duties May Include: Working in an office and in the field, civil engineering technicians and technologists assist in collecting and analyzing project data, preparing reports, designing projects, and monitoring project progress.

Entry Level Education Requirements: Associate degree

Job Outlook: 2% (slower than average)

Getting Started: Many vocational schools offer classes in engineering, design, computer software, and other areas related to this career. Look for a program that’s been accredited by the Board for Engineering and Technology.

14. Paralegal or Legal Assistant

Median Annual Salary: $66,510

Job Description: Serve as support staff for attorneys.

Duties May Include: Researching cases, typing, communicating with attorneys and clients, organizing files.

Entry Level Education Requirements: Associate degree

Job Outlook: 0% (little or no change)

Getting Started: You may want to start by earning an associate degree in paralegal studies from a program approved by the American Bar Association. Some employers may offer on-the-job training. Though it isn’t required, some paralegal organizations offer paralegal certifications to students who pass an exam.

15. Broadcast, Sound, and Video Technician

Median Annual Salary: $64,220

Job Description: Operate various types of equipment for media programs.

Duties May Include: Setting up and testing electrical equipment. Knowing industry codes and standards. Communicating with clients about their specific needs. Continuing education and certification may be required.

Entry Level Education Requirements: Requirements vary; some employers may require an associate or bachelor’s degree

Job Outlook: 1% (slower than average)

Getting Started: Because this is a technical job utilizing equipment that is constantly changing, it can be useful to enroll in a targeted vocational or community college program. There also are voluntary certification / credentialing programs that can help with advancement.

Recommended: What Is a Good Entry-Level Salary?

16. Auto Service Technician or Mechanic

Median Annual Salary: $55,260

Job Description: Inspect, maintain, and repair cars, trucks, and other vehicles.

Duties May Include: Communicating with customers. Using diagnostic equipment and experience to monitor and troubleshoot a variety of problems. Repairing and replacing car components. Record keeping.

Entry Level Education Requirements: High school diploma or equivalent

Job Outlook: 4% (as fast as average)

Getting Started: Although it isn’t always required, many auto service technicians and mechanics complete a vocational or associate degree program that includes classroom instruction and hands-on practice. Certificate programs in specific automotive repair categories are also available. Many employers require service technicians to become certified by the National Institute for Automotive Service Excellence.

17. Medical Records Specialist

Median Annual Salary: $55,970

Job Description: Compile and maintain patient files for a doctor’s office, hospital, clinic, etc.

Duties May Include: Managing patient charts and records for billing and other purposes. Preparing billing statements. Requesting information from nurses, doctors, and other sources to keep files updated.

Entry Level Education Requirements: High school diploma or equivalent

Job Outlook: 7% (much faster than average)

Getting Started: Employers may provide on-the-job training for entry-level positions, but advanced training and courses in medical terminology, electronic health records, and medical billing may be needed for more complex duties. Employers may expect candidates to complete one or more certifications.

18. HVAC Installer / Mechanic

Median Annual Salary: $62,690

Job Description: Install and repair heating and air-conditioning systems in homes and buildings.

Duties May Include: Assembling, installing, and fixing HVAC systems.

Entry Level Education Requirements: High school diploma or equivalent

Job Outlook: 8% (much faster than average)

Getting Started: Many HVAC technicians receive instruction from a vocational school or a community college. Programs typically take six months to two years to complete and can lead to certification or an associate degree. Some techs learn their trade through an apprenticeship or years on the job. Some states require technicians to be licensed, and the Environmental Protection Agency requires all who buy, handle, or work with refrigerants to be certified in proper handling.

19. Tractor Trailer Driver

Median Annual Salary: $58,400

Job Description: Long-haul truck drivers transport goods across the country.

Duties May Include: Using GPS and maps to plan a safe and efficient delivery route. Ensuring the tractor trailer is well maintained. Driving routes that require spending several days away from home. Navigating busy highways, backroads, and crowded city streets.

Entry Level Education Requirements: High school diploma or equivalent, plus training course

Job Outlook: 4% (as fast as average)

Getting Started: Long-haul truck drivers must have a commercial driver’s license (CDL), which could require passing a knowledge test and a driving test. Professional driving instruction is required to be a long-haul driver, so you’ll have to sign up with a private truck-driving school or community college program. Drivers must maintain a clean driving record and pass a physical exam every two years. They also must submit to random drug and alcohol testing.

20. Carpenter

Median Annual Salary: $64,040

Job Description: Design, build, install, and repair structures made from wood and other materials.

Duties May Include: Carpenters might do anything from building kitchen cabinets to contributing to major infrastructure projects. They must be able read blueprints, understand building code requirements, and do hands-on construction work.

Entry Level Education Requirements: High school degree or equivalent

Job Outlook: 4% (as fast as average)

Getting Started: Most carpenters learn through an apprenticeship or on-the-job from experienced tradespeople. They may start out in other construction jobs before moving into carpentry. All carpenters are required to pass a safety course administered by the Occupational Safety and Health Administration.

21. Licensed Practical Nurse

Median Annual Salary: $64,150

Job Description: LPNs provide basic medical care for patients under the supervision of physicians and registered nurses.

Duties May Include: Monitoring patient health, providing medical care and comfort, and record-keeping.

Entry Level Education Requirements: High school diploma or equivalent, plus training program

Job Outlook: 3% (as fast as average)

Getting Started: LPNs must finish a state-approved educational program that can take a year or longer to complete, and they must be licensed.

22. Solar Panel Installer

Median Annual Salary: $57,380

Job Description: Solar panel installers (also known as solar photovoltaic installers) assemble and install solar panels on homes and other structures.

Duties May Include: Setting up, troubleshooting, and maintaining solar panels. Connecting panels to the grid.

Entry Level Education Requirements: High school diploma or equivalent

Job Outlook: 42% (much faster than average)

Getting Started: Some solar panel installers attend courses at a community college or vocational school. Others learn through apprenticeships or on-the-job training. Licensing requirements vary by state.

The Takeaway

Vocational jobs can offer a competitive paycheck and an opportunity to use your skills to do something you’re interested in — or even passionate about. Another plus: The upfront education costs and time commitment can be significantly less than for a four-year or advanced degree.

Choosing a career that’s fulfilling, secure, and pays well can be a significant step toward achieving the life you want. Of course, it’s also important to develop healthy financial habits, such as building a budget you can stick to, paying your bills on time, and monitoring your credit score.

Take control of your finances with SoFi. With our financial insights and credit score monitoring tools, you can view all of your accounts in one convenient dashboard. From there, you can see your various balances, spending breakdowns, and credit score. Plus you can easily set up budgets and discover valuable financial insights — all at no cost.

See exactly how your money comes and goes at a glance.

FAQ

What is the best trade to learn in 2025?

Some of the best-paying and in-demand vocational careers for 2025 are also among the most challenging and fulfilling. They include jobs in transportation, construction, and health care.

What is the highest-paying vocational job?

Air traffic controllers are among the highest paid workers with vocational jobs.

What is the easiest high-paying trade?

Many high-paying vocational jobs require high-level technical skills, good communication skills, and/or physical strength and endurance. What can make any job easier is if the person doing it is good at it and feels fulfilled. Many vocational jobs have the potential to check those boxes.

---

Photo credit: iStock/alvarez

SoFi Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. Based on your consent SoFi will also automatically provide some financial data received from the credit bureau for your visibility, without the need of you connecting additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of SoFi. The credit score is a VantageScore® based on TransUnion® (the “Processing Agent”) data.

Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

SORL-Q425-025

Read more