Ok, ok, there are a lot of opinions in print about 'bar setup, and no clean way to sort them out. It's clear the bars are rotated too far forward. The bottom grips should be between horizontal and point toward the ground - pointing to the sky is never something that's recommended. For a tight-bend bar like that people often locate the brake levers so the tip of the brake lever is even with the bottom of the flat lower section of the bars. Others do it differently. But the first thing is to get them rotated.

There's an obsession many of us fall into called fitting - fitting the bike to our bodies. It's even worse than buying endless crap for bikes. You've opened Pandora's Box now.

The most critical thing is saddle height. It's important for power production and knee health. The power thing is important even for us 50+ers, not because we race (yet some of us do) but because we need to make the most of the strength we have. We do increase our strength, but we start with less than do the 20-somethings. Easiest way to check it is to put on a pair of flat shoes, put the bike in a doorway, and get on. Make sure you can reach the door way sides to hold yourself up. Put your HEELs on the pedals and pedal backwards. When you leg is at maximum extension your knees should just lock straight with no rocking of your pelvis. If you pelvis rocks it's gonna hurt, and if your knees don't straighten you could end up putting excess stress on your knees - could lead to a knee injury. We don't have time to waste healing knees or undercarriage chafings, so this is important stuff.

Lesson 2 later on ... if you like.

Lucille, welcome to the Forum and welcome to the game!