I would not necessarily attribute your depression to tamoxifen. I took it for almost 5 years and honestly I don't think I had any major side effects. It sounds like you have been through an enormously stressful time and financial problems don't help. And yes there is often a bit of a lag I think before the full significance of all that's happened hits you. Of course it could be the tamoxifen, there are so many different reactions to it. But I would hang in there with it if I were you and give it a bit more time. I hope you feel better soon. Look after yourself.