the good news is that you have help tho it not be what you are accustomed to. there are many of us that have learned in time to adjust to major income changes in our lives. it's not always easy but change is usually difficult for everyone. i found that there are many ways to find help out there even those of us are with limited income and plus you do have the va for benefits. that is a blessing tho their system is archaic.
there are some ppl who do not know how or have the mental ability to accomplish what you have within the "system"..they truly are the unfortunates. what i try to do is to be grateful that i have some help be it different than what i've had in the past. if you take this attitude it will make the going easier for you. it won't always be the best of the best but as long as you can manage a cheerful outlook you can see the glass half full, not half empty. believe me when i say i know what adjustments you are going through. there are many of us in american today and growing. there are middle class families without a home now, no job, and no help.
as for dr. phil....he does have a phd in psychology...not supporting his idealogy necessarily but he is qualified with educational experience. (a former therapist of mine went to school with him.)