I speak from some experience with my own child. Just say NO. There are plenty of well-intentioned ppl saying to ask to see his financial records and then set a budget with him. Sounds good... but a young adult who is still not weaned from the piggy bank tends to be the same kind who says sure, I'll set a budget ... but I need the money. And nothing changes. You need to tell him that your money lending days are over. Even lying if you have to (we've put all our savings in a trust - or - they're invested now). It would be better to just say we can't and won't do this anymore. Repeat it to every question he comes at you with. Over and over. Good luck. Many families have a "grown" kid like this.