Lizbethann. How brave you are to open up like this. Sorry that you are feeling so down. But, just look at all these posts? At least you know that you are not the only one who is sick and tired of feeling that there may not be much of a future.
At the beginning of lockdown here in France, I was panicking. I have stopped having crazy dreams now, no nightmares, no lying awake feeling desperate and being fearful for the future.
Nothing has really helped change this other than some things I have read over and over. The first is not to bother too much with "news" of all kinds. I could sit in front of the t.v. and just howl all day and all night at the sadness and desperation illustrated there. I can't change any of it, so I need to accept that and stop feeling desperate that I should be doing something. 10 minutes a day is enough for me, thanks.
Don't just wallow and do nothing. If you really don't need to lie in bed and sleep, then sometimes, all it takes to shift a mood is get on with something: a lovely bath or a long shower, a different outfit, a phone call, some time spent doing almost anything you want around the house and garden.
Don't forgo exercise. The actual rhythm of walking, stopping to look at the views, smelling the fresh air and feeling the wind and sun on your face can be just enough to stop the "blues" spiralling down into black moods and depression. Not always, but you have to give yourself that chance.
Look after something, really care for it, whether that's your garden, your window box, your cat, dog, hamster, goldfish, or your other half.
Make a plan to do something pleasurable every day.....and actually do it. Just being able to end the day feeling that you have achieved (and taken control) of something you really want to do - even if it's just putting fresh flowers in the house or painting the garden shed or making some exotic food to eat.
Try not to think too far ahead. When I start asking "when", "how long" "what if?" I generally start to feel defeated and dispirited. Things will change, they have to, we can't all just be doomed to live out our days in our present situation. We will doubtless get a vaccine which will help.... or the bloody thing will just go away. We don't know. Nobody knows, so there again, no point in worrying ourselves into a heap about it.
Do hold on to the positives in your life. You don't need to think that things could be so much worse, but. you do need to make every day count - even if it's not how you would choose to pass your days at this time.
And don't worry about retirement. Retirement for almost everyone I have known has always resulted in people saying "I'm amazed and I wonder how I EVER had the time to work!" Seriously, you will have a happy retirement - and if you try it and you decide that you don't feel it's enough, you will be able to take your time and find some work to do which will be the answer just for you.
Believe it. All these lovely people on here can't be wrong.
And you'll feel better soon. Hugs from France.