Faye :
I am in an enviable position. DH and I are on a permanent disability, so we have enough (just) coming in to cover our basic needs each month. With their blessing, I had been running a small from-home business, that I love, and was doing craft/artisan shows. When cardio said not to lift anything more than 5 lbs, that kinda nixed the shows. So, I had surgery on Sept 6th last year, was home on the 13th working from home, and opened my first retail store on October 1st. I must admit, I do have the most awesome DH, we are now open 7 days/week, and split the store and the house between us, although we both often work from home on our days off, too!
We both LOVE what we do. We both also have chronic mental health problems, and will both be on meds for that for the rest of our lives, and without his glasses, DH is blind as a bat. My philosophy on life since I was old enought to have one is that if you have a roof over your head and 3 meals a day, the rest is gravy. We do not own a vehicle, our house is only 700 sq ft (and mostly owned by the bank!), eating out is usually done in a food court in a mall, we have had one short holiday in 8 years since we met, and although we are "as poor as church mice, we are happy as pigs in ****
"
I should mention that DH is 45 and I am 53 now.
Anyway, enough rambling (I do that a lot!) and , if you can, do what you WANT to do with the rest of your life - it is too short to spend in an unsatisfying job. Maybe working part-time, volunteering part-time would work for you, or some kind of seasonal work, or working for a non-profit or something. There are many ways these things can be accomplished, and allow time to smell the roses along the way.