Based on what you have written, you will always have financial difficulties. Most physicians, ironically, worry about finances and never have any money for retirement because they live a high-consumption lifestyle. I seriously suggest you learn to control your spending even if that's the way you are. You can and must control it. I refer you to The Millionaire Next Door. As 50 Cent says, "check yourself before you wreck yourself."
If you want to make money, then be a physician. Physicians make a good income but have their net worth is low due to high levels of consumption, long hours, and no financial planning. I also recommend dentistry. You can go to school for four more years and make $160-180k as a new dentist and work in a plush office.
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Which healthcare field is worth the debt?
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