@Tidden
Deep breaths! You have found the forum that will be able to answer or guide you along the best way we can!
Unless you are in it you have no concept of what it is all about and your friends and or acquaintances may mean well by passing on what they think is correct, but more than likely misinformation, but please be guided by the clinic you are at and the medical team that will be looking after you.
As to out of pocket, that varies as others have said. You may not even be having chemo and or radio, all dependent on pathology results and evaluation by your team.
Great advice thus far!
Here's a link to the BCNA website - some excellent reading - but please be mindful until such time as you know your type and treatment it can be overwhelming
https://www.bcna.org.au/understanding-breast-cancer/new-diagnosis/getting-through-the-first-few-weeks/Take care and ask away