Thanks to everyone who responded.
I do have a good financial planner and one that I trust (even though he works for WF). He has advised me to get a loan for the Oliver and not take it from savings. He said it would cost me $30,000 in taxes next year and $9,000 the year after..a snowball effect. It makes me sick when I think I saved all of those years to pay a hospital bill or some whacko thing like that. I am 72 years old and in no way am I thinking about going back to work. I volunteer at Kairos Prison Ministry and am a caregiver for Hospice in Savannah..and love both. If I had it to do over, I would put the savings in a safety deposit box and be able to pull it out as I wanted. Again, thank you all and hope to meet some of you at the rally in May.