bad decisions

My boyfriend doesn't make too good of decisions and it bothers me. I try to help him when his car breaks down but he doesn't want it and wants to make things harder.. I tell him he shouldn't spend $100 on stuff that he wants because maybe putting a little back for his ticket or the insurance he is going to pay might help him out easier. Now he has no money because he used it on himself... he has no way to drive because he needs $100 to fix his car and he has no way to pay for his insurance or ticket... he just likes to spend and my parents are at their last straw because he is 23 and acting irresponsible and tried to help by loaning him a couple thousand to help him catch up on bills and stay finaincally secure... I'm so stressed with it and hearing about it from him and my parents