Now, I'm not blaming anyone but myself here. The buck stops with me. and of course the LFS is out to make money. That's what they do. Move product. They may assume that I know what I'm doing or they most likely just don't ask but anyway, I don't want to go down that road. It's my responsibility. Period.
I will add tho and I'm sure that you older, wiser reefers see this all the time: I can search just about any Reefing subject and find someone who seems reputable on either side of any subject. It's hard to know for sure who or what to trust. A simple example would be the, "I can outfit a complete, successful reef system in one long day". I see this kind of thing everywhere! Take something as simple as 'recommended water conditions'. I have right now four written sources and I don't think any of them is the same. Each one varies in some way.
Anyway, if anyone cares to continue following, I don't yet have a method for lowering my phosphate levels except for water changes so I did 20% yesterday and 20% the day before and will do another 20% today.
I will add this in closing: it would have been much easier for me to just keep my keyboard shut afa these losses but I wanted to be honest and hope that other beginners will learn from my mistakes.