I remember when my son got his first paycheck ans said, increduously, "Dad, you won't believe how much they took out of my paycheck".
I said, yes, I would, about 33%. I was right on the money, (no pun intended). I also said, "welcome to my world". Uncle Sam will always have his hand in your back pocket.
The person who introduced me to TV daughter, was a school teacher and he constantly teased her about how easy she had it, with all her time off. She usually retorted, "I put more hours in, with the planning on lessons and grading paperwork", than you do with your job.
Teaching is a tough profession as another friend retired as early as she could, because of the grind.
Best of luck with your granddaughter.
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"It doesn't cost "nuttin", to be nice".  MOM
I just want to do the right thing! Uncle Joe, (my hero).
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