Hey, QS, love your signature:
"What lies behind us and what lies before us are small compared to what lies within us."
Oliver Wendell Holmes

Zuco, Happygolucky is right - you should use the search option and find more information that will help you find your answers. After your research, you can try posting specific questions and see if anyone can assist.

FYI, it's quite difficult for us to give our comments to a very general question where everyone's situation is widely variable. We would be concerned about giving you any definitive advice, which you may rely on but later find that the variables in your particular situation doesn't work out well.

And also, many of the seniors here have seen and answered the same or similar questions posted over the years and while they are very kind-hearted and helpful but may not be inclined to repeat themselves yet again. Trust you understand.