Randy: I know exactly what you're going thru, for I am on disability (rare form related to MS-late onset tay sach, progressive muscle atrophy, and much more)
Because of my handicap, CANNOT speak clearly--so I gone into CW (slow speed), Olivia & PSK modes. You'll love any of the digital modes. The software, I use, is free
Been licensed for about 37 years. I operate 40, 20, 10 & 6 meters.