Tax after college

No one can tell you exactly what some of those costs are.

Health insurance fees are based on the package you select. Be careful to not just pick the cheapest one without researching what you may lose. Healthcare costs are huge and if you skimp and have an illness or accident you will fund the excessive medical bills.

State disability insurance depends on your state.

RE 401K: You can opt out, sometimes, on the 401K but some companies won’t let you do that. You can not rely on just SS for retirement, that’s why some companies don’t have the 401 as an option.