Maybe you could expand on what you mean by bad financial management. Are you gambling? Do you spend all you money on gadgets? Do you have an expensive hobby? Ar

Maybe you could expand on what you mean by bad financial management. Are you gambling? Do you spend all you money on gadgets? Do you have an expensive hobby? Are you drinking? Does the money go away unnoticed, e.g. because you are spending a disproportionate amount on small things like a coffee here and a meal out there which then adds up? Maybe you don't even know yet where all the money is going and should try to figure that out? Once you know you could try to break bad habits, e.g. regular meals out.