What character is this?

Why he wanted to commit so many burdens? He already aware of his overspends but still, he dare to plan on how to spend on his future money.

The debts credit is bigger now and it is pending for settlement. He got no more extra money to spend at current condition. But still, he is now planning how much he can spend in the foreseeable future with the predicted income.

He dreams to have that predictable income for his dream comes true.

What do you think of this kind of person? What character is this?

Shall I admire his brave?

Shall I pray for his dream comes true?