52F and Have No Retirement. NONE.

52F and Have No Retirement. NONE. I have worked as a veterinary technician (we don't make much), and in media, and in some other fields. I have a master's degree and loans and about 20K in credit card debt. I secured a really nice paying job for the first time in my life and have about 10k in my bank account. I am scared to do anything with that money. As someone who had to live...

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