His debt is a result of his inability to live within his means. A guy who drinks and gambles and cannot afford either is traveling down a slippery slope. People's habits tend to magnify in time, without any changes in their personality in sight. So, you can imagine that his downward spiral will continue.
You are a fool if you actually think you can take control of a man's money. What, one day when he decides he loves you, he will hand over all of his finances? Dream on.
People date for a reason and that is to get to know one another and to find out if they are compatible to perhaps foster a committed relationship. But, you ALREADY KNOW that he is an over spender, in debt that is going to take years and years to pay back, IF he does not charge another penny for five years, plus he spends money on alcohol, which means he drinks it and to top if off, he is a gambler? And you are STILL going to pursue a relationship with him?
Oh My God, what is wrong with you?
You need to wake the hell up lady. You have no idea how bad his financial situation really is and how it will effect him. Low credit score, zero borrowing power and bad habits, just to name a few problems.
His debt is a deal breaker.
Living above his means is a deal breaker.
Drinking and Gambling away money are deal breakers.
This deal is so broken that you are never going to find the glue to fix it.