The gate faces down the stairs. In order to refund the money, we might as well hang a gossip concave mirror on the lintel outside the gate to try to recover the refund. There is also the inconvenience of making the foot of the gate a little higher, about four inches, but it can prevent the money from leaking out of the house.
In your description, you can only find two feng shui problems of paying back the money. As for the family fortune and poor health, it is difficult to find the reason because there is no further information. You have to provide the plan of the mountain water potential around the building, the plan of your unit, the plan of the internal space of your unit, and the precise direction (degree) of the building before you can continue to do more in-depth feng shui analysis for you.