We use the CAGE questions in the UK as a quick screening tool.
Have you ever felt the need to Cut down on your alcohol intake? Have people Annoyed you by criticizing your drinking? Have you ever felt Guilty about drinking? Have you ever needed an Eye opener (drink first thing in the morning)?
Yes to two or more indicates problem drinking and probably alcoholism.
Other factors are drinking every day, drinking more than a few units in one go regularly, drinking to black out drunk, causing damage to yourself or others.
I suspect you're getting downvoted because the guy in your picture is a tool.
Unfortunately I don't know enough about US based finances to have any useful advice for you.