Did a late start ruin my future?

Did a late start ruin my future? 41F freelance independent contractor. Also late bloomer. l’ve never lived beyond my means, always paid my bills, but it also took me a while to consider the long game. So… throwaway account for privacy and honesty. I’ve been in my field for about 15 years and ups and downs are normal. So far I’ve been able to ride it out, but this year it seems ...

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