"Electrum calculates a default transaction fee that in most cases works out to a flat rate of 0.2 mBTC"...I have enough to cover the .2mBTC fee. What am I doing wrong? Please help! Thanks in advance!
This is most likely very outdated information.
The latest version of Electrum defaults to using "dynamic fees". These fees are variable and are calculated based on what is happening with the network at the current time. Currently, the recommended fees are in excess of 300 sats/byte as can be seen here:
https://btc.com/stats/unconfirmed-txhttps://bitcoinfees.21.co/For a "standard" transaction of ~226 bytes, this would equate to a fee of around 67,800 sats... or 0.678 mBTC.
When you are attempting to create the transaction on the "Send" tab, you should be able to see a "slider". If you hover the mouse over the slider, if you should you the fee rate being used:
Here, it is saying that the fee to be used is 3.20036 mBTC/kB, which is around 320 sats/Byte.
What does your version of Electrum try to send with?