Financial Question?

I am 48 years old, seven years my house will be paid off, I have approx. 40 thousand in retirement, last year started roth IRA, no credit card debt, but I a owe a credit union for a personal loan at 9% $2000,and a $3000 fixed 7% home equity loan. Ashamed to say no emergency fund. I want to move to flordia, I live in a suburb of detroit Mi, economy is bad here, so is this a good idea? P.S. I am a registered nurse. Thanks, Cindy