Not screwed. Screwed would be if you are 64 and want to retire by 65.
You have some work cut out for you, but you also still have a LOT of time to get your financial situation on track.Hard to give concrete advice without concrete numbers. The MobileLite Wireless G2 is compatible with both Android and iOS, sorry Windows phone users, and you can find the MobileLite app in your respective appstore.
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