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‘I’m very late to the game’: I’m 48, earn $65,000, have $48,000 in debt and no retirement. Am I doomed?

‘I’m very late to the game’: I’m 48, earn $65,000, have $48,000 in debt and no retirement. Am I doomed?

“I do not have any inheritance from anyone coming my way as I lost most of my immediate family when young.”

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