This post provides my understanding of Annie's claims, and the situation. It's definitely possible that I've (unintentionally) gotten things wrong, misinterpreted things, or been biased in how I've covered this situation, despite my best efforts not to be. 

Unlike other journalists & reporters who've covered Annie's allegations, I've never personally met or interviewed Sam, Annie, or any of their family in-person. Everything in this post is just information that I found on the Internet. 

I've used citations & links heavily throughout the post, in an attempt to make it clear how I've come to my current understanding. By all means, go look at the source material and references yourself, and form your own understanding.

In an attempt to make this post clearer and easier to read, I've used "collapsible" sections, like this one. 

You can click on the little ▶ triangle icon at the top-left of each collapsible section to un-collapse it, and reveal its hidden content. You can then click the ▼ icon again to re-collapse the section, and hide its content.

Note: there is still important information in many of the "dropdown" parts. A few of them are empty, and a few contain less-important information, but most actually do have additional information that you should read.

In other words -- don't misread this as "the information in the dropdown sections is redundant/irrelevant."

You should still read the information in all of the dropdown sections.

I've also added some in-text citations.

I've purposefully aired on the side of potentially adding a bit "too much" detail in this timeline, as I'd rather do that than accidentally leave out information in a way that makes it hard to understand other events in the timeline.

There are various events in the timeline that, when you first read them, may seem "unnecessary" or "not relevant." But, generally, I include things in the timeline for a reason. Often, in this timeline, earlier events sort of "set up" events that follow years later. You often need to understand various events that occur earlier on in the timeline before you can understand various events that come later.

Throughout this post, I've bolded various segments that I feel are particularly important or relevant.

April 22, 1985: Sam Altman is born, to parents Connie Gibstine (mother) and Jerry Altman (father.)

1987: Max Altman is born.

1989: Jack Altman is born.

1994: Annie Altman is born.

Beginning when Annie is a baby [AA24n] -- i.e. beginning somewhere between ~1994 and ~1997 -- Annie repeatedly experiences various forms of abuse from her biological siblings. That is, from her 3 brothers: Sam Altman, Jack Altman, and Max Altman. It seems that most of the abuse that Annie has experienced from her 3 brothers has come from Sam.

Somewhere between ~1994 and ~1997, (Annie's brothers, I presume?) play "dwarf tossing" with Annie when she is a baby [AA24n]. Annie's grandmother witnesses this, and condemns it. [AA24n]

~1996: Sam and Jack's grandmother gets each of them some stock in a company related to something they like. Sam is given stock in Apple, given his interest in computers. Jack is given stock in Applebee's, given that he was, as he puts it, "heavier as a child, as {Sam} like{s} to point out" [YC16a].

Jack was a "very tired kid."

~August 1997: Sam, age 12, begins his time at the John Burroughs School (JBS) in St. Louis, Missouri, staring 7'th grade.

In ~1998 or 1999, when Annie Altman is 4 years old and Sam Altman is 13 years old, Sam sexually abuses Annie [AA23a, AA--f] -- repeated molestation [AA23w] and touching her in private areas. [AA23x]

~1998-1999: Annie's 4-year-old mind represses her memories of these abuses [AA18b, AA23k, EW23a]. 

For the next ~20 years (~1998-2018) Annie's mind continues to repress her full memories of being abused. However, throughout those 20 years, Annie does recall bits and pieces of her memories of being sexually abused. These partial-memories confuse and disturb Annie, and she doesn't fully understand them when they recur to her. Crucially, Annie also doesn't remember that it was Sam who sexually abused her. 

Also, over the next 20 years (~1998-2018), Annie experiences a variety of mental health issues, eating disorders, and other disturbing experiences (e.g. projectile vomiting during consensual sex), all caused by the abuse she experienced at a young age. 

However, beginning in 2018, a sort of "perfect storm" of events unfold that cause Annie to gradually start recalling her full memories of being abused. This gradual process of Annie recalling her full memories of abuse occurs from ~2018-2021. I'll detail these events later on in this timeline.

Note: when I first learned of Annie's story, I was confused by, and didn't fully understand, some of her symptoms. I've since learned more about common symptoms in people who experienced sexual abuse as a child. 

Annie displays many of these symptoms, including:

- panic attacks beginning at a young age
- waking up in the middle of the night needing to take a bath to calm her anxiety
- suicidal ideation beginning at age 5-6
- "rationalizing away" and/or not understanding partial flashbacks (to the sexual abuse she experienced) that occurred earlier in her life
- PTSD
- developing eating disorders and body image problems from a young age
- developing many mental illnesses (including suicidal ideation, anxiety, depression, OCD, and more) from a young age
- (initial) repression of the (full) memories of the abuse (as an automatic trauma response in the brain)
- many more symptoms

Some sources that helped me understand: 

• Child Sexual Abuse -- US Department of Veterans Affairs
• The Body Keeps the Score -- by Bessel Van Der Kolk
• My Healing Journey After Childhood Abuse -- Tim Ferriss
• What to Do if You Have PTSD From Being Molested as a Child -- sexualabuselawfirm.com

From saprea.org, (Saprea seems to be a 501(c)(3) nonprofit public charity that "exists to liberate individuals and society from child sexual abuse and its lasting impacts":

• The Effects of Child Sexual Abuse: How Does Trauma Affect the Brain and Body? -- saprea.org
• Common Symptoms {in people who experienced sexual abuse as a child}: Flashbacks
• Common Symptoms: Difficult Relationship with Body
• Common Symptoms: Panic Attacks
 
(As with the rest of this post -- see the dropdown section for more details.)

At age 5 (~1999), Annie tells her mother, Connie Altman, that she wants to end her own life and that she was "touched by older siblings", and Connie "decided to instead protect her sons and demand to receive therapy and chores only from her female child." [AA24f]. In particular, (it seems) Connie tells Annie to keep the sexual assault a secret [AA23m].

"At age 5 {~1999}, {Annie} began waking up in the middle of the night, needing to take a bath to calm her anxiety. By 6 {~2000}, she thought about suicide, though she didn’t know the word" [EW23a].

~2001 (Annie: age ~7):  Annie begins to criticize her appearance. She continues to do so for the next 18 years.

~2001: At age 16, Sam comes out to his parents as gay. [TF16a]

Throughout her childhood (and the rest of her life), Annie does not have a complete memory of the sexual abuse she experienced in her early childhood.

However, she experiences a variety of mental and physical symptoms common among those who have experienced sexual abuse in early childhood. 

(As with the rest of this post -- see the dropdown for details.)

From ~August 2006 to June 2012, Annie attends grades 7-12 at the John Burroughs School (JBS) in St. Louis, Missouri (the same school that Sam attended [AA23m].)

In 2005, Sam begins working on his startup, "Loopt" (formerly named "Radiate"). During his sophomore year at Standford (also in 2005), Sam meets Paul Graham. Paul Graham is quite impressed by Sam, and Loopt is accepted into Y Combinator's first cohort. 

Graham spoke highly of Sam:

-- October 2006: "Sam Altman, the co-founder of Loopt, had just finished his sophomore year when we funded them, and Loopt is probably the most promising of all the startups we've funded so far. But Sam Altman is a very unusual guy. Within about three minutes of meeting him, I remember thinking "Ah, so this is what Bill Gates must have been like when he was 19.""

-- August 2008: "When we predict good outcomes for startups, the qualities that come up in the supporting arguments are toughness, adaptability, determination. Which means to the extent we're correct, those are the qualities you need to win. Investors know this, at least unconsciously. The reason they like it when you don't need them is not simply that they like what they can't have, but because that quality is what makes founders succeed. Sam Altman has it. You could parachute him into an island full of cannibals and come back in 5 years and he'd be the king. If you're Sam Altman, you don't have to be profitable to convey to investors that you'll succeed with or without them. (He wasn't, and he did.) Not everyone has Sam's deal-making ability. I myself don't. But if you don't, you can let the numbers speak for you."

-- April 2009: "I was told I shouldn't mention founders of YC-funded companies in this list. But Sam Altman can't be stopped by such flimsy rules. If he wants to be on this list, he's going to be. Honestly, Sam is, along with Steve Jobs, the founder I refer to most when I'm advising startups. On questions of design, I ask "What would Steve do?" but on questions of strategy or ambition I ask "What would Sama do?" What I learned from meeting Sama is that the doctrine of the elect applies to startups. It applies way less than most people think: startup investing does not consist of trying to pick winners the way you might in a horse race. But there are a few people with such force of will that they're going to get whatever they want."

During Sam's time at Loopt, a group of senior Loopt employees "twice urged board members to fire him as CEO over what they described as deceptive and chaotic behavior...Senior executives {at Loopt} approached the board with concerns that Altman at times failed to tell the truth—sometimes about matters so insignificant one person described them as paper cuts. At one point, they threatened to leave the company if he wasn’t removed as CEO." [WSJ23a]

Sam also helps orchestrate an elaborate, multi-year plan to seize control of Reddit, by slowly diluting the ownership Condé Naste (who'd acquired it) until Reddit was effectively owned, once again, by its original founders, who'd also been part of  Y Combinator's first cohort. (The plan succeeded.)

~2007: At age 13, Annie starts using Zoloft to help with symptoms of OCD (Obsessive Compulsive Disorder), anxiety, and depression. [AA19b].

~2009: At age 15, Annie starts using birth control pills. [AA19b].

In ~September 2012, Annie begins college at Tufts University, intending to complete a pre-medical track. [AA15a]

Years, later, Annie wrote the following about her time in college (i.e. ~2012-2016):

On 10-15-2023, Annie wrote: "I had only fuzzy memories of sexual abuse until I went no contact {with Sam and her other relatives}, because of the emotional and financial and other abuses. I was unpacking my own sexual health, both by myself and in therapy, since 2012. Attempting to understand experiences like mid-sex projectile vomiting." [AA23u]

On 3-27-2024, Annie wrote: "I had flashbacks of the sexual and physical abuses my whole life, though it wasn’t until the silence of no contact that I had the space to connect the dots. In college and after, I had projectile vomited multiple times during sex with men I loved and trusted. I remember talking about this and related things with therapists, unable to wrap my mind around how violently my body had responded." [AA24b]

2012: Sam sells Loopt to Green Dot $43.4 million, coming away with $5 million himself. Sam uses that $5 million, along with money provided by Peter Thiel, to launch his own venture fund, Hydrazine Capital, with his brother Jack Altman. [EW23a] 

"{Sam} also took a year off, read a stack of books, traveled, played video games, and, “like a total tech-bro meme,” he said, “was like, I’m gonna go to an ashram for a while, and it changed my life. I’m sure I’m still anxious and stressed in a lot of ways, but my perception of it is that I feel very relaxed and happy and calm."" [EW23a]

From a recent (September 24, 2024) podcast he did, it seems that Sam did a "weekend-long retreat in Mexico" where he did psychedelics, and that this retreat & the psychedelics he took significantly changed his inner state, helping him become more calm (he was more anxious before).

On March 30, 2015, Annie submits an appeal letter [AA15a] to a Dean at Tufts University asking if Tufts will allow her to graduate early at the end of the semester {which would have been May 17, 2015} since, by that time, Annie would have completed all of her graduation requirements, except for Tufts University's "residency requirement."

Annie's request to graduate early (in 6 semesters) is denied. 

Annie still ends up finishing college early - just in 7 semesters [EW23a], rather than 6. She graduates with a degree in Biopsychology (in ~2016).

Upon graduating, Annie is extremely depressed [EW23a], and she does not pursue medical school [AA19b] as she'd initially intended to [AA15a]. 

In Annie's own words: "I majored in Biopsychology in college, with a minor in dance, and took all the prerequisite courses for medical school. Then I noped out of the pre-med route to focus on movement, writing, comedy, music, and food. I got certified as a yoga teacher, worked for an online CSA (community-supported agriculture) company, began writing more frequently, started slowly going to open mic nights and putting videos on YouTube, and began a podcast and this blog {i.e. her blog on Medium.}" [AA19b].

From [EW23a]: "{Annie} left college early...She had completed all of her Tufts credits, and she was severely depressed. She wanted to live in a place that felt better to her. She wanted to make art. She felt her survival depended on it. She graduated after seven semesters."

From [BB24d]: "Annie, on the other hand, was not part of the Altman family brand. With each new step in her life, she seemed to veer farther away from the path she felt was expected of her. She completed pre med requirements, but decided not to pursue that further. She did improv classes, stand up comedy, yoga, teacher training. She said her dad was supportive of this turn away from a more traditional path. Her mom, who was a physician, was less excited."
Annie Altman: "My siblings and mother were very judgmental about the shift and also very "This is just a phase." I was an am at total daddy's girl. With my mother, there was closeness only when I was doing what she wanted me to do, which is a story {that} sadly, I feel like a lot of people can relate to.""

 

At some point before October 3, 2016 [TF16a] - Jerry and Connie get a martial separation [AA23r, EW23a] -- not a divorce, just a separation [AA23r].

Thus, legally, they remain married, even though they are separated [AA23r.]

(As with other events in this timeline, there's a reason I'm including this. Later on, this enables Connie to block Annie from receiving the funds her deceased father left to her.)

October 3, 2016: "Sam Altman's Manifest Destiny" [TF16a] is published in the New Yorker. The author, Tad Friend, includes anecdotes from his time spent observing Sam's day-to-day activities, as well as quotes from Sam, his brothers, and their mother (Connie.)

~2017: At age 22, just before her 23rd birthday, Annie stops taking birth control pills. Around this same time, she also finishes tapering off of Zoloft. She also drastically alters her diet. [AA19b]

As a result, Annie loses her period for a year. [AA19b]

November 29, 2017: Sam returns to John Burroughs School, where he speaks to students about "development of startups and AI...and our collective responsibility to make sure they benefit everyone." [JBS17a]

January 2018: Jerry sends Annie a text, part of which reads, "And just for clarification, I don’t just support your lifestyle now or your physical and emotional endeavors now; I support your life. I will always support your life. These are aspects of your life, so I support those too. And there is not a “now”, as Yoda might say. There is only life, for as long as that may be." [AA18a]

February 1, 2018: Annie posts "My journey from beige foods" on Youtube.

February 2, 2018: Sam tweets, "Check out my sister on youtube!" [SA18a]

At some point in 2018, Annie visits Sam in San Francisco, while Sam has some friends over. One of Sam's friends asks Annie to play a song she'd written. Annie begins to play the song on her ukulele. While she is playing the song, Sam abruptly, wordlessly gets up and walks upstairs to his room [EW23a].

From [EW23a]: "The next day, she {Annie} told him {Sam} she was upset and asked him why he left. “And he was kind of like, ‘My stomach hurt,’ or ‘I was too drunk,’ or ‘too stoned, I needed to take a moment.’ And I was like, ‘Really? That moment? You couldn’t wait another 90 seconds?’”"

On May 25, 2018, Annie's Dad, Jerry Altman, has a heart attack while rowing on Creve Coeur Lake outside St. Louis, and dies at the hospital soon after, at age 67 [EW23a].

From [EW23a]: "That same year, Jerry Altman died. He’d had his heart issues, along with a lot of stress, partly, Annie told me, from driving to Kansas City to nurse along his real-estate business. The Altmans’ parents had separated. Jerry kept working because he needed the money."

Note: In my opinion, Annie and Sam tell stories about their dad's death that, to me, seem rather different and hard to reconcile --

Charles Johnson claims -- here, at around ~6:30 and ~13:18 -- that, after Jerry's death, Sam Altman "started doing a lot more drugs." 

I am aware that Charles Johnson is not always a reliable source of information. But it seems that Charles Johnson had ties with Peter Thiel around that time (2018), so I think Johnson's claims that he repeatedly interacted with Sam in person and at his house are plausible.

I repeatedly asked (here, here, here, here, here, and here) Charles Johnson on Twitter to comment/elaborate on the claims that he made, but he didn't. (Some of my replies were getting marked as "spam" or "offensive" (which confused me, as I don't think they were "spam" or "offensive"), so that probably didn't help.)

After Jerry's death, Sam, Jack, Max, and Connie see Jerry's Will. They purposefully withhold it from Annie for a year. Annie only finds out about this a year later (in 2019) [AA24b].

On May 28, 2018, Annie gives a speech at her Dad's funeral (which she publishes online a year later [AA18a].)

The week Jerry dies {in May 2018}, Annie has one of the worst panic attacks of her life: "The most recent panic attack, and perhaps darkest one I’ve experienced, happened the week he died." [AA18b].

June 12, 2018: The first docket entry in the legal case relating to Jerry's death, Will, and Testament (my wording here may not be the most accurate, as I'm not an expert in probate court terminology).

Connie Francis Gibstine (Jerry's wife, and mother to Annie, Jack, Max, and Sam) is the independent personal representative. Annie Altman, Sam Altman, Jack Altman, and Max Altman are heirs.

Peter Palumbo is Connie's attorney. Remember his name -- he shows up later (in an email from Sam to Annie in 2019 -- I'll cover this later in this timeline.)

See the images below.

July 9, 2018 -- the legal case regarding Jerry's estate and Will shows a "Proof of Mailing." 

From section 473.033. Notice of letters — duty of clerk — publication — form. of Chapter 473 Probate Code -- Administration of Decedents' Estates of the Revised Statues of Missouri (bolding is my own):

"The clerk, as soon as letters testamentary or of administration are issued, shall case to be published in some newspaper a notice of the appointment of the personal representative, in which shall be included a notice to creditors of the decedent to file their claims in the court or be forever barred.  The notice shall be published once a week for four consecutive weeks. The clerk shall send a copy of the notice by ordinary mail to each heir and devisee whose name and address are shown on the application for letters or other records of the court, but any heir or devisee may waive notice to such person by filing a waiver in writing.  The personal representative may, but is not required to, send a copy of the notice by ordinary mail or personal service to any creditor of the decedent whose claim has not been paid, allowed or disallowed as provided in section 473.403.  Proof of publication of notice under this section and proof of mailing of notice shall be filed not later than ten days after completion of the publication."

In my (amateur) understanding, this means that Annie, being one of Jerry's heirs, should have received a notice, by mail, of the appointment of the personal representative (her mother Connie Gibstine) in July 2018?

But it seems to me that Annie didn't learn of her father's will until late 2019?

~August 2018: Connie kicks Annie off of her health insurance [AA24h].

On August 14, 2018, Annie starts a podcast, the All Humans Are Human podcast.

Annie experiences "6 months of hacking into all her accounts" [AA23d] after starting her podcast.

"" [RE23a]

On 12-19-2019, Annie wrote: "In this calendar year I...had almost all of my personal accounts have attempted or successful logins, had people logging on my wifi and other wifi issues (4 new modems, had excessive cell phone service issues, the pity-party list continues. I'm beyond my capacity of what I can handle alone." [AA--g] 

Annie also had "a third or more" [RE23a] of her podcast ratings get deleted within a "few months" [RE23a] of starting her podcast. "When I started the podcast, before I did sex work or any other things that increased shadowbanning, I had shadowbanning immediately, and I had podcast ratings get deleted when it {the podcast} was called 'True Shit' right when I started it." [RE23a]

At some point (before Annie begins sex work): Annie experiences shadowbanning on her social media accounts. 

From [AA--h]:

"Almost all of my social media accounts have been/are shadowbanned...OpenAI would be tagged here also if they had a account.

{This shadowbanning} It started for me before any swork {sex work} started. I don't mean that this account would be at 100K or some set number. I do mean it makes no sense to be unable to pass 1K, with over 100 podcasts and other creations, and consistent posting.

Old videos...get reduced to something like 2 views on @instagram and @youtube , podcast rating get frequently deleted on @apple @applepodcasts , people will get automatically unfollowed, posts will be restricted in who sees them, and more."

In ~September 2018, Annie meets with a yoga teacher named Joe [AA18b] to record a podcast episode. 

Joe asks Annie, "what is your earliest memory?". Annie immediately responds, "'probably a panic attack'" [AA18b]. 

Then, as Annie writes, "Laying in bed later that night, Joe’s question popped back into my consciousness with a kind “please make your way into child’s pose.” I realized I had deceived myself (classic humaning) with my response to his question, “what is your earliest memory?”" [AA18b]

In ~October 2018, Annie attends a sound bath at a yoga studio: "I went to a sound bath at the yoga studio about a month ago, the second sound bath I’ve ever attended. (I cried at both and if you know me you know that I am happy about things that help me cry.) Sound baths are a guided meditation where you lay in corpse pose and receive sounds of specific frequencies, allowing vibrations to “wash” over and through you. Some shit is bound to surface in the tides." [AA18b]

On November 8, 2018, Annie publishes "Reclaiming my memories" [AA18b] on her blog (see dropdown):

On December 7, 2018, Annie records and publishes an episode of her podcast featuring Sam Altman, Max Altman, and Jack Altman, titled 21. Podcastukkah #5: Feedback is feedback with Sam Altman, Max Altman, and Jack Altman. [AA18c]. 

The show begins with Annie providing an introduction to the her podcast and some thoughts about honesty and truth, and then thaking her brothers for coming on her podcast. Her brothers call her "Cannie." ("Cannie", short for "Trash Can" [AA24o], is their nickname for her.) 

Annie: "Hello. My name is Annie Altman, and I've spent my life on a quest for true shit. Welcome to Episode 5 of Podcastukkah. So far, I've learned that 'the truth hurts' is some true shit, and there is no ultimate true shit, because my truth is different from someone else's truth, and my truth now is different from my truth a year ago. Some true shit that has held up over time: one, be honest, the truth will come out eventually, and lying only complicates things. Two, the truth is simple, and lies are complicated. Three, be kind, and treat people how you want to be treated. If you are uninterested in someone else imposing their true shit on to you, do your best to be mindful about imposing your true shit onto others. This show is basically an opportunity for me to shoot the shit about things I want to shoot the shit about with people I want to shoot the shit with. Thanks for listening to me practice "human"-ing. In this episode, I'll be discussing projection with all three of my older brothers. Sam, Max, and Jack Altman, I'm very grateful and privileged that you were all willing to take some time during this Thanksgiving holiday to circle around a microphone and record some thoughts on projection. Thank you all for coming." 

Sam: "Thanks for having us on, Cannie."

Jack: "Thrilled to be here, Cannie."

...

Note: in my opinion, there's sort of a pattern throughout the episode: Annie brings up something she wants to talk about, often related to projection, feelings, or working through challenging emotions; her brothers cut her off or subtly alter the topic of conversation away from what Annie originally brought up, instead discusing topics that are...less sensitive, basically. It's sort of hard to describe. I'd recommend listening to the episode yourself - I think you'll sort of see what I'm talking about. (This is just my interpretaiton, of course, You may disagree, and that's understandable.)

During the episode, Annie starts to talk about projection (in psychology), as well as how people are "wired to remember painful experiences." Sam interjects and cuts her off, moving the topic of conversation away from "remembering painful experiences" to "hypocrisy", and then detours the topic of conversation even further away from projection & memory to "giving feedback {at work}." Mutliple times, Annie starts to return to the topic of projection; each time, the Altman brothers interject and start talking about "feedback", specifically in work-related contexts. (Note: perhaps this interpretation of mine is biased. This was the impression I got after listening to the podcast, specifically from 24:30 -- 39:05 (the end of the podcast.) As always, I've linked the source material, and you can go listen yourself and see what you think.) 

Annie (24:30): "...in some ways, we're wired to remember painful experiences so that we do learn from them...to remember negativity, and remember those things --"

Sam (interjecting) (24:55): " -- more than that, I think one thing we're particularly wired for, I don't know why, is to not like hypocrisy. That's like a very deep thing..."

In [EW23a], Elizabeth Weil writes, "Among her various art projects, Annie makes a podcast called All Humans Are Human. The first Thanksgiving after their father’s death, all the brothers agreed to record an episode with her. Annie wanted to talk on air about the psychological phenomenon of projection: what we put on other people. The brothers steered the conversation into the idea of feedback — specifically, how to give feedback at work. 

After she posted the show online, Annie hoped her siblings, particularly Sam, would share it. He’d contributed to their brothers’ careers. Jack’s company, Lattice, had been through YC. “I was like, ‘You could just tweet the link. That would help. You don’t want to share your sister’s podcast that you came on?’” He did not. “Jack and Sam said it didn’t align with their businesses.”" [EW23a]

I also think it's worth noting that, at this point in time (December 7, 2018), Sam, Jack, and Max (and Connie) have seen Jerry's Will, and are aware that it stipulates an inheritance for Annie, but are purposefully withholding this information from Annie [AA24b]. 

February 21, 2019: Annie publishes [AA19b] "Period lost, period found" on her blog. 

~March 2019: Sam Altman -- at the time, president of Y Combinator -- is asked to resign by the firm's leaders, as well as by Paul Graham and (especially) his wife Jessica Livingston. [WSJ23a] Sam leaves Y Combinator in March 2019. See [WSJ23a] for details.

March 6, 2019: Annie publishes "18 reasons I spent 18 years criticizing my appearance" [AA19c] on her blog.

By ~May 2019 [EW23a], Annie has become sick with a combination of illnesses that make it hard for her to work [AA24b, AA23k, AA--f, AA--g, AA23m, EW23a, AA23r, AA24b]. 

(As with the rest of this post -- see the dropdown for details.)

In ~summer 2019, about a year after the death of her Dad (Jerry), Annie is notified about being the primary beneficiary of her Dad's 401K. [AA23m, AA24a, AA24b]

In light of these situational factors, Annie makes a plan to quit her job for 6 months [AA--c] to focus on her health, expecting that she'd receive money that Jerry had left for her, which would cover her financial needs during that time. She notifies her relatives of this plan, [