Sentence 1: Blaine always spent too much money. 
 Sentence 3: Blaine racked up a large amount of debt 
 Sentence 4:  Blaine then declared bankruptcy 
 Sentence 5:  He now regrets his poor decisions he has made 
 Option 1: His credit was poor so he could not get a loan to cover his expenses. 
 Option 2: He never learned how to budget his income.