My T said he'd gotten enough money from me. Really? It's okay now that I'm poor again??? But this is your issue (my issue), not T's. He gave me that $5 cut line, and I was like, just forget it. I can't exactly take a $5 cut and then waltz in there with a Starbucks venti, can I? Moving my appointments from the morning to the afternoon took care of the coffee problem. I just told T he was now my biggest expense, as I was able to come off Wellbutrin, since I now was following his instructions and no longer seeing my family. Funny how that worked out. So now we discuss it at the beginning of every year, and again around October when I meet my maximum out of pocket expenses. I totally get your feeling mad that you could have been paying less. I asked T for a refund! We talked about that like we talk about everything else. I really hate him sometimes!!!