James Jack Happy 1st birthday!
I'm so sorry you are going through this. I too didn't save, although I tried to buy a property fwhen I was very young I was so naive I got fleeced trusting the person I went into it with. I did get a sort of education young because I didn't agree with the JW view of charity and I wanted to work for Medicines sans frontiers or Medicine Sur le monde etc
I suppose the positive is that you're alive to enjoy life. There are those who don't make it to our age or, worse, were so distraught they couldn't "live up" to Watchtower's fake so-called standards they took their own lives, or were even victims of Judge Rutherford's medical foibles.
It's hard, I know, to struggle through weakening health in order to make ends meet. I take it you have a happy marriage - something good did then come out of the Org? I know many folks who like to see it that way. Do you have children? If so, I'm glad for you! Like Ray Franz I believe that's the most egregious thing the org did to many folks...deny them the right to feel happy about bringing a family into the world. I know it was his greatest regret (have you read his books, by the way? He too had to do manual work in his late 60s in order to make ends meet. If not please do read them).
As to faith communities may I recommend Eric's you tube channel at Beroean Pickets also David and Vivian Aspinall. They will have details of their Zoom meetings where there is no talk of hell and the usual things that trigger many exJW yet they accept all view points.
https://youtu.be/ZILdeXWEXuo