Bruce, what happened to us was my husbands employer started taking out way less of withholding. I had to make a large payment during the year so we wouldn’t be hit with under payment penalty.They dumped a bunch of deductions. Didn't come close to covering it with the $24K "standard deduction". Never have any idea what our income will be year to year. So now will be paying big $$ in estimated taxes to make sure we don't get a penalty next year and for all I know, get most of it back next year .... or not.
You could choose not to use it.
I think I would be too if I ate that from breakfast!!!
Sorry you are still sick.
Granny, I was thinking about your car issue. Here they have a business called "Good News Garage". People donate their old cars that can be fixed up then sold cheap to low income people. Maybe they have something like that near you?