hi buddy, i relate very much to ur financial stress, i too am in debt for a long time & i know how u feel, but here is what helped me, i came to realize that by acting out there is no way hashem will bail me out, how in the world do i expect him to help me when every time i act out, i actually say good bye to him, also 1 very smart mkubal told me, that מז"ל & מזל are linked to each other, & i also learned to belive that financial situation can change (as history showed) very quickly for the better, & our addiction can only change for the worse if we dont nip it in the bud, so start working on urself plz get a sponsor , u will see how thigns change i cant beg u enough, plz give it a try