@Mike9241
"where does the money come from to pay the expenses you incur."
short answer: cash
long answer: Retired, sold my house, built a basic, no-frills sailboat (i.e. resource consumption, maintenance and living expenses are minimal). Hope I die before I go broke...
"this is ridiculous in your situation"
Right but US tax code is extremely complicated, often opaque, sometimes illogical and riddled with BIG BROTHER overreach (see comment above about US and Eritrea). There is plenty of space and opportunity in the weeds for good and bad actors.
