Thanks to you and your wife, Tony. I will write more about the matter so that I can help you in some way.

However, always keep this in mind: the better you think, the better your life goes.

It's not about being smart, but to make good decisions.

How is that achieved?

1. Lowering reactivity.

2. Not falling into acts on impulse.

3. Deciding after reflecting.

If you focus on this, you will do well.

Regarding your bad decisions.

Focus on replacing just one bad habit at a time. Whichever you consider your Achilles heel, because in this way you will generate a virtuous effect that will end up putting your life together over time.

Finally, don't get demoralized because organizing your life takes much more time than you think at first.

I hope this little answer helps you in some way.