Mary Lou Retton hits back at 'naysayers' who criticized her family for crowdfunding almost $500K to pay her medical bills... claims she 'had no work' because the height of her fame 'was years ago'

The Olympic gold medalist, who was rushed to hospital with a rare form of pneumonia last October, said her four daughters 'saved [her] life' by setting up a SpotFund account while she was in the ICU.