How do I apply for immigration? Which countries are better? Can I apply for immigration in this situation?

Generally choose New Zealand as a springboard (because it is more relaxed), you can apply for study, live there for 6 or 7 years (I forgot), you can be naturalized, and then it will be more convenient to go elsewhere. My sister's brother-in-law is like this, and now she is in Canada. 70 years old is definitely not younger than you. If you also get an international accountant qualification certificate, it is not a problem to find a better job. (In Europe and America, not in China) You can consider being alone first.

Specifically, you should consult the local foreign affairs office now, because the policy may change in each period, and it is also local. You should also check the system and requirements of the school you want to apply for online. The money must be much cheaper than the one downstairs. What can I do in China with so much spare money? Ha ha.