John B, Since you posted this, I'm guessing you want to improve the situation. A number of us have theorized a drug problem, but you mentioned early on about a "mentality of a 12 yr old". If that is close to right then he may have no idea of budgets or someone else is siphoning his money. Since he is holding down a job then I'd believe there is someone in the background providing some level of oversight. That may well be Social Services. Where I'm going with this is, IF there is a Social Services contact, AND you care to determine who that is, then you could see if they can provide some financial guidance.
As so many have observed, this isn't directly your problem. It obviously bothers you so you'll either need to act and attempt to help or just get tight with walking away. Personally I doubt I could walk away, but that's just me.
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