36 year old expat – am I screwed?

36 year old expat - am I screwed? I'm terrified to even write this post, but it can't be any worse than the constant dread I feel. I don't know how I got this old without figuring out how to invest in my future. I feel so much envy when I see all the 20 year olds on the investment reddits who already have hundreds of thousands in their 401ks. I have some pretty significant care...

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