hi Deb,your story of how to tell the children really resonates with me. I was 45 when I was diagnosed,mets from the start. at the time my children were 13, 8 and 5. I had no idea what to tell them. I was lucky though. My surgeon referred me to a wonderful Breast Care Nurse who was able to give me a really good idea about how to start the conversation, what the likely questions would be and guidance on how to answer.I didn't want to know my prognosis at the time but have since found out it was, let us say, rather poor. 5 years on we all live, reasonably well, with Mum's new "normal". We have hiccups of course but my psychologist, bless her, listens and offers advice, as does another Breast Care nurse I have maintained contact with. One of my children formed a good relationship with a counsellor at school and has been able to check in there when things are tough. Its not an easy path we have and I dont want to make it seem like it is. This is just what I have found helpful for us.On the financial side I have recently been referred to the Cancer Council which can sometimes help with a referral to a financial planner. Maybe that could help with your worry about the mortgage. That must be such a scary thing for you on top of everything else.Good luck with it all. No question it would make you furious, anxious, etc etc becaue membership of this particular club is not exactly one with queues of people waiting to join. Take care and be kind to yourself. LLS