For someone addicted to placing bets, all your efforts to pay off your debt and build a financially secure future are likely to be pointless until you get the urge under control. Dear Liz: I have a terrible habit. I’ve been clean and sober for 24 years now, but I’m a gambler. I’m in debt over $100,000. Yes, it’s bad, but it used to be worse: I owed $204,000 to banks, loan sharks, family members …

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