Be smart with your tax planning and you won't have that issue.

If you are just making first year FO pay, taxes end up being really little (if anything). Just be smart in your tax planning. I choose to take 6 deductions (5 kids plus head of household) during training and then decreased it to 2 (the correct number) once I hit the line. You can choose as many deductions as you want. They took out almost nothing during training. If you make less than $30k a year, you get just about all of it back anyways so it doesn't matter.

If they take out more each paycheck, that is fine, but you will get it back later. You are just giving the government a free loan of your money.

Also, if you are getting insurance for only yourself, it is cheaper to get insurance outside of the company. I sent the insurance package to a couple of insurance companies and asked for a quote for the same coverage. Both came back less. If you are getting insurance for your family, the company is likely cheaper.