(Shakes head)
I have known so many physicians who can never retire. It is sad and pathetic, because physicians, more than any other group, have the ability to plan for a prosperous retirement.  Physicians have no pension scheme, so their retirement is based entirely on savings. Realistically, to avoid paying down capital (and it can happen fast) you can only withdraw 4% per year. So for each  $40,000 a year in retirement, you need $1m in savings.  Take out $100,000 instead and it will be gone by the time you are 77. 
Harriet has made so many basic mistakes, yet the people she pays money to have not helped her. Paying over $1,000 a month on a line of credit is a terrible waste of money. I imagine she is also paying 25%+ on credit cards too.  Harriet, please start taking care of your own finances.  Join an online group like Financial Wisdom Forum and start learning how to do better. You'll get lots of advice and suggestions and no-one will try to sell you anything.
"Wallace - FWF"