OP wrote:
"But I am old, it is late, and I am confused!!"
What I would do at this point is ERASE the WD drive, and
start over with a "fresh backup".
It doesn't hurt to erase a backup, because, well... "it's a backup" of data that already exists (on your primary drive). You just erase it and create another backup.
My procedure would be to do this:
1. Connect backup, let the drive mount on the desktop.
2. If the finder gives you an error, won't mount the drive, and asks if you wish to eject or initialize it, I'd choose initialize (same as erase).
3. Open disk utility.
4. IMPORTANT -- go to the view menu and choose "show all devices".
5. Look at the list "on the left".
6. Locate the WD drive entries. You want to click the "topmost" line (for the WD) that represents the PHYSICAL DRIVE itself.
7. Now click "erase".
NOTE: You haven't told us which version of the OS you're using. Older versions of the OS require the tm backup to be formatted to HFS+ (Mac OS extended with journaling enabled, GUID partition format). I believe newer versions require APFS (APFS, GUID partition format).
8. Erase the drive. Should take only a few seconds.
NEXT STEP:
TEST THE DRIVE.
1. With disk utility still open, choose "First Aid". Let it run on the WD drive.
2. Do you get "a good report"? Or do you get errors?
3. IF you get a good report,
REPEAT THIS TEST 5 times in succession.
4. Do you get a good report every time? Then I'd keep using the drive.
At this point, you can try time machine again. However...
I DO NOT RECOMMEND TIME MACHINE for backing up.
Instead, I'd suggest either SuperDuper or CarbonCopyCloner.
Both are "pay for" utilities, SuperDuper is easier to use (and cheaper).
BOTH have FREE TRIALS that let you create a cloned backup so you can see how it works.
I'd try SuperDuper first:
www.shirt-pocket.com
Good luck.