This study explored gamblers’ experiences with debt and their approaches to spending on gambling and other things in their lives. Interviews were carried out with 27 gamblers, who differed in their gambling risk levels, income levels, and if they had experienced debt or not. Gamblers’ financial problems could be due to both gambling and non-gambling reasons. The researchers identified four categories of gamblers based on their approaches to gambling spending and general spending. They also proposed a range of personal and environmental factors that might influence whether gamblers experienced debt.