Dave Ramsey says to figure out where your financial issues start.

Over the years of giving financial advice, I’ve learned a few things about the problems people have with their money. Very often money problems aren’t the culprit at all; they are just symptoms of even deeper root issues. Many times it’s not a money problem, it’s a marriage problem; it’s not an issue with savings, it’s an issue with integrity; it’s not a lack of income, it’s a lack of character. These are the uncomfortable truths people in society don’t talk about because it’s much easier to walk through life concerned about you and only you.