That's a heart rending story Mr B. Such are the shackles that can bind you.
All I can offer is a bit of home spun philosophy which involves the usual platitudes of standing back, taking an overview, assessing priorities etc etc.
I mean, you have some pretty hefty issues there. Pension consideration, job security, home security, personal health and wellbeing. Problem is, the only person who can stand back and prioritise is you. We can all suggest what we would do, but we ain't you.

Only other thing I can say is that, in my 54 years of experience, being brave enough to take a risk, step into the unknown or do the unusual often works so well, you wonder why you did not do it before!