[ball_of_lint]

There's already a bunch of great advice here. I have just one thing to add:

> the me of right now acts as if future me will just blow all my savings irresponsibly anyway.

I know this horrible feeling, but it isn't really true. It's a self fulfilling prophecy. It may take some work and time to change yourself and your habits, but it is possible. Even just commiting to yourself that you're going to work on this can go a long way to easing your feelings about it and breaking the cycle.

And if you can't do it alone, don't! Therapy is an option. Consider it splurging on your retirement.