Dear Candace, that must be nightmarish (if that's the right word under these circumstances), not being able to get sufficient sleep. That's a reason to be depressed and have attention deficits and no energy right there.
I have no financial expertise either.. but it sounds like you have ideas and plans and some expert advisers to help you make them work.
As for Mom, all I can think is: I am guessing she is from an earlier generation, before conditions such as depression and sleep apnea and ADD were well known and studied and treated. In my parents' day, the solution was to put on the Stiff Upper Lip and Get Busy .. Perhaps your mother's too?
If so, see if you can regard her in that light when she gets on you that way... Remember, she isn't saying these things to hurt you or punish you; she really thinks that's the way to solve the problem.
That's a hard one, no matter what, contending with all that. I am wishing for you the strength and peace of mind to deal with all this. And I lit a candle: http://www.gratefulness.org/candles/...g&cid=10105433
You are welcome to vent here any time you feel the need! You know you have loads of friends here who want nothing but the best for you.
Big loving good wishes to you and ~~~~~PURRS~~~~~ and {{{{{HUGS}}}}} 





from the cats and me.
I meant," said Ipslore bitterly, "what is there in this world that truly makes living worthwhile?"
Death thought about it.
CATS, he said eventually. CATS ARE NICE.
-- Terry Pratchett (1948—2015), Sourcery
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