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Financial Incontinence 

1. A propensity to piss money away

2. lacking in financial moderation or self-control

3. unable to retain or manage ones finances

4. Financial Incontinence is the primary symptom of Pecuniary Tract Disorder (PTD)
Q: Why am I always broke?
A: Because you’re financially incontinent.

Americas is 14 Trillion dollar debt due to epic financial incontinence
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financial incontinence 

In*con*ti*nence, noun (L. incontinentia)

A condition that results in the pissing away of money; piss away money.
I'd be rich if it wasn't for my financial incontinence.