Oh yoda, you have been through so much. My

goes out to you.
I agree with _sky, that pdoc needs some therapy of his own.
*freak* is right too. You do not have to talk or answer questions if you don't want too. Just remember you have the right to say "no".
my pdoc is great when I spoke with him about a dr/treatment I was receiving. He said "get a second opinion and if that isn't good then get a third, a fourth." "It's better to be informed when you need to make choices."
I know about that taking funds out early and having to pay taxes. I got caught with that right after I had to go on disability. Like you, I took the money to pay off all the bills except for car and mortgage. Remember thinking "stupid I won't do that again"

Of course not! But when the IRS wants its money it wants its money.
I'm very impressed by all you are doing for yourself. It must feel terrible when you pour your heart out to keep up with you field and then get snubbed like that. Don't give up.
I know you're feeling pretty bruised and beat up at the moment but you can make it. Yes you can.
I'm just a frog of little brain but

kebs