Why are orange Wrench and Check Engine lights on for a 2010 Ford Flex SEL?

What is your question?

Orange Wrench light turned on over the weekend (14-SEP-2019). Now (16-SEP-2019), the orange Wrench and Check Engine lights are on with the engine running rough and transmission occasionally not shifting smoothly. The 2010 Ford Flex SEL has 110K miles. Should I start the process to get a loan to pay off some massive repairs?

How long has your 2010 Ford Flex had this problem?

Less than one week