I would also recommend a reverse mortgage if you have enough equity in your home. At 74, you are qualified. The 3 conditions of a RM is that you live in the house, pay your property taxes and insurance, and maintain the home. The benefit for you is that with a RM, you don't have a monthly mortgage payment. You will be required to pay off all liens on the home (not credit card debt) and so by paying off the two loans on your home, all that money you used to pay to the banks every month stays in your pocket. That alone should help you breathe better. Since your 4 kids are married, they should be able to take care of themselves. The only thing is that if you predecease your husband, he will have to find a way to refinance your loan in order to continue living there. Depending on how much you are eligible for, you can either do a Line of Credit or get the guaranteed monthly draw option, which works like an annuity, for as long as you live in your home.
I have no suggestions for your cash.
I would strongly recommend that you look into buying a Long Term Care policy. If you can't trust your kids to manage your funds, and your husband doesn't help much financially, you don't want to be dependent upon any of them in case you become disabled and quickly get shuffled into a nursing home. A LTC policy, together with a reverse mortgage, will help you stay at home as long as you choose to.
A power of attorney and advanced medical directive are also two critical documents that you need to get right away.