Anyone use Metamask? How can I set the gas fee AFTER I set the amount I want to send? Says insufficient funds?

WTF is with this thing? I try to send ETH, but it says I have insufficient funds. It won't let me edit the gas fee because that screen comes AFTER I set the amount to send.

This makes no sense. I do have enough funds, but it won't let me get to the next screen because it assumes I want to send this insane gas fee. Any ideas?