About two and a half years ago, I successfully won $10,000 from a sports betting platform. This allowed me to clear my credit card debts, making me debt-free for a year. However, I unfortunately decided to wager again and lost heavily while using my credit card for bets. Now, I’m again facing over $10,000 in credit card debt with no savings, alongside a car payment of $500 and insurance costing $200. To add to this, I recently welcomed my first child and earn $43,000 annually as a dental office manager. I’m now learning from financial experts like Dave Ramsey after some poor choices. My focus this year is entirely on breaking free from this cycle of debt for both myself and my child. I’ve committed to earning extra income through delivery work every evening after my regular job. I realize I must improve my decision-making daily and fully dedicate myself to this goal.
Hey Willow! 
First off, kudos for recognizing the situation and taking some serious steps towards a better financial future! Not everyone has the insight or courage to face up to their financial blunders, so you’re already on the right path.
Dave Ramsey is a fantastic resource; his baby steps have helped loads of folks manage their finances better. Just stay consistent with what you’re doing, and it will pay off for sure! Maybe you can find some more ways to save money, too. Things like meal prepping to avoid eating out or canceling unnecessary subscriptions could help big time.
Balancing a new job, managing the budget, and being a new parent can be overwhelming, but remember to also take care of yourself. Surround yourself with supportive people, and don’t hesitate to reach out here if you need some moral support. We’re rooting for you! 
sports betting can lead to financial instability if not done with strict discipline, and realizing this is a crucial step. Betting might bring an initial thrill or even a big win, but more often than not, it’s elusive, and continuous play increases the risk of significant losses. when i faced a similar dilemma, i found solace in focusing on building a steady financial plan and seeking guidance from financial advisors who can provide objective advice. learning to control the urge to gamble was challenging, but it paid off by helping me regain financial stability."
hey, been there, done that. Sports betting can be super tempting but can spiral out of control sooo fast:rotating_light:. Good on you for taking extra gigs like delivery work, it’s tough but it works. Make sure you keep tracking your expenses and give yourself small rewards when you hit goals. You got this!