I think the lady at Soc Security gave me some misleading info when I was asking questions, and it wouldn't be the first time.

I kind of panicked because she made it seem like the lump sum money had to be spent in a year or it goes back to SS and I think she meant, you have to pay it back if they don't approve what you spent it on.
I am cool with it now and think I "get" it...

Does anyone know if the process to keep your receipts and vouch for the money is intense, or like an audit or are they overworked and if it sounds legit, then they don't question (I guess I'm paranoid now)

Thank you for all your help everyone.