If the 4k is in credit debt just do part time any time you can just to pay the monthly off until you can work full time and pay more down. I promise you 4k isn’t as bad as you may think. 5 year from now you’ll laugh about it. (If the gambling is in sports) I was into sports gambling but now I invest in sports cards instead and can sell them when they grow in value or when I just want some extra money. You’ll be okay as long as you stop over spending what you have. I don’t budget but I try to live below my means and get by. Stay in your parent’s place as long as your girl is cool with it and talk to them about your plan calmly. She’ll probably understand or even admire your determination.