Thank you so much for replying... I truely appreciate it.

yes he contributes to his 401K to the max allowable and it is matched to a certain degree by employer.

son just left.. I love him so much... and he explained his problem... and it is HIS problem...

I gave his some money - but he will be spending the weekend painting here..
I also with him set up a plan to get and keep things under control..
I see that he has more maturity this time.. but I also know - money = work in my home now... I just cannot afford to help him... bottom line..

so maybe the more I work him... the better he will learn to manage his money???
personally, I can live on just about next to nothing if I put my mind to it.. so it is a frustrating thing to me.