You and your husband are raising one child? He was 57? And you had nothing set aside? How is this possible?
Its a lot easier than you think, I can’t tell you how many folks I have met who are in similar places at that age.
I have 3 children, two left the nest,.My husband was self employed & we did put away money. But,my husband suffered three strokes, & unknown to me people took advantage of him.