Hi, my name is deb61!

Hello @deb61 and welcome to the community. Good to have you with us.
As @Marly73 demonstrates, you're among friends here and, whatever your situation, you will find people here who have similar experiences, similar problems and a wish to help each other, together with some excellent advisors and resources. Try not be shy, therefore, of telling us more about yourself or asking any questions that occur to you. We're here to try to help.
So, to begin with, what is that advice you're looking for 
Warmest best wishes,
Richard