I have read through this whole thread and I have not see any disrespectful nastiness - just people sharing their honest opinions, and some not sugarcoating things for you.... I mean, didn't you ask for advice on your financial situation???? And then you're angry when others don't see things exactly as you do.... You put everything out there for the world to see, then you complain. You judge and call others names on other threads here, and I see that you've deleted most of your posts here on this thread so as to make those that responded to them look like "ignorant dolts".... As a moderator I would think you would do better....
You've received some incredibly helpful advice here, and at your age being so close to retirement with your heath problems it would be beyond wise to pay close attention and get yourself out of debt. I wish you well, redfox.