Help! Am I doomed for retirement?

Help! Am I doomed for retirement? I am 40 y/o and only have $12k in savings. I receive a monthly disability pension from the VA and I am a therapist. I have nearly $25k in unsecured debt. I feel on some hard times last year, mentally and physically. I am hoping to get my clinical license and work for a mental health tech startup and can potentially earn up to $16k a month with a...

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