<prompt> Human: Debt has been a huge source of shame for me in my private life. I make good money 150k but consistently have about 60k worth of credit card debt. I live beyond my means with no budget and not a care in the world.The worst part is that Ive had numerous 3 and with a 4th coming up chances to get this straight. Im talking signingannual bonuses of tens of thousands, another windfall of tens of thousands. Ive literally been able to clean the slate but have failed to come up with the discipline to do it. I usually start and clean up a lot and fall back into debt. In the next few months I have an opportunity to clean up once again. Expecting multiple tens of thousands. Part of me thinks that I dont take this seriously because Ive always had a good income and periodic cash infusions. But I realize that could all stop in a second. I realize that this upcoming chance is likely the last, and I now have a SO -- she is a no-nonsense enforcer with money that watches every penny and has already cut my cards up. I realize this will be enraging to many of you. My intent is not to troll. My intent is to communicate the real, human component to making a financial plan work. Without discipline, it all falls apart.Im just very disappointed in myself but I cant share this with anyone in my life.  <response>: You need a Budget... plain and simple. physically seeing your income vs expense ratio and Net worth may be all you need to curb spending. you said your So is a no-tolerance financial person, she should already be aware of your situation. so why not tell her what you told us about being able to eradicate all your debt and start a clean slate? 