Hey Gyps, always nice to read you! Although, I am sorry about your health issues and financial woes.
I guess we can all look back and say we should have done this or that.... I did it as well....but just a little. I am not sure the outcome would have been any different adn in all honesty if I am not better off this way. So I prefer to look at it another way; I did the best I could with the cards I had dealt. So it is time to get back to the table and perhaps be smarter next hand.
Un abbraccio affettuoso!