I didn't understand the seeing more patients and taking fewer vacations. Unless the military has changed a lot his pay is not determined by the number of patients.I read that to mean that because he cannot retire now as planned, he will have to continue working, hence seeing more patients. I took the part about fewer vacations to mean that he can't afford to take as many now because he needs to cut back and cannot afford them.I didn't get past the first paragraph when it dawned on me that they were living beyond their means since they were helping their daughter with medical expenses, and she's most likely not a minor or the insurance would have covered her, and they owed taxes on a 401k withdrawal.It certainly looked to me like they put themselves in this predicament, and I am not feeling any sympathy for them.
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