Just because a teacher has bad habits doesn’t mean he or she is a bad teacher. However, you get to choose whether you want that teacher as yours.
If you choose a teacher with bad habits, you’re going to be touched by them in some way. At the least you’ll have to deal with them. At worst, you’ll pick up the habits or become a victim of them.
I was recently asked to help a prominent teacher pay off his credit card debt. That he can’t manage money doesn’t mean he’s a bad teacher. It does mean that if he’s your teacher (he’s not mine) you’ll probably feel you have to contribute to paying his debts.
Choose your teachers carefully. Have high expectations of them. If they can’t manage their debt, do you really want that person as your teacher?
The teacher in question needs some hard, practical, specific talk from Suze Orman:
How to settle your credit card debt on your own: