I am glad you are taking steps in the right direction. My son does the same and i have reached the point where his calls are blocked. It's like my brother said he will drain you dry if you let him. I am also retired. It is always either just this time and i will be good and can pay you back. Or i won't survive if you don't. It never ends. Your son sounds the same. Someone on here told me they will get angry until it sinks in you mean it. It is not your responsibility. One thing that helped me was to think back to what i was doing at his age. I also look at his 2 younger brothers who ask me for nothing. Keep holding those lines.