Just leave him and cut off contact. Don't take his money and don't loan him money. Tell him he needs to make his way. Hopefully, he will get his act together at some point in his life, but you can't help him do that. In fact enabling is hurting him. The reality is that no contact would give you both the best shot at a happy life for now. I wish both of you the best, but you really need to take care of self first.