For recent grads, ghouls and goblins aren't what cause the most fear this time of year. If you're working your first job, there are likely several things that have surprised or even shocked you about being an employee. 1. Your paycheck is shriekingly shrunken. You're not the first recent grad to be horrified at how much taxes eat up your paycheck. You may have been excited about what you were offered as your salary and thought you would be bringing home more than you are. Now you're wondering how you will be able to pay your phone bill. Here's an illustration: If you make $35,000 in Arizona and are filing as single on your taxes, you'd take home $1,346 every two weeks and pay just over $300 in Social Security and federal and state tax. That doesn't take into account any 401(k) or health insurance costs you may also have to pay for. 2. You don't always get to leave at 5:00. Your idea of work is coming in at 9 a.m. (or a few minutes late) and leavi...
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