So sorry to hear you've had a bad time of things. We know so many people who have lost jobs or hours & benefits and are really struggling right now. I know that's no comfort, but I think a lot of people can empathize with you. I'm getting by by spending my savings. Hope I don't need it later for medical issues. Didn't plan on hitting the principal so early in retirement. Having little money makes everything else tough.

Sounds like you will do well to quit with your T. Too bad he isn't what he once was. I can understand your not wanting to start with someone else. Perhaps you can keep a journal, to write out things to help clarify them for yourself. And there are some good self-help books. I like Burns, "Feeling Good Handbook". The psychiatrist I saw when hospitalized recommended it.

My family practice doctor prescribed my meds for me for about 20 years. When I hit a downward slope myself, I started with the psychiatrist. So I see the Pdoc and T now. So maybe you can get your doctor to prescribe what you need.

Another thought, you might try to find a support group rather than therapy. Not as good in some ways, but maybe better in others. And you can always write in here--someone is always around with a sympathetic ear. The cost would certainly be less, and perhaps you could find a community one without fees or nominal fees.

You are making a lot of sense--I understood what you said very clearly I think. Just giving you feedback, since you asked. Hope the suggestions help.