i need serious relationship advice ...

okay so i’m 6 months into my relationship we’ve been friends for years prior .. well as I got to know him more than just being his friend he suffers from depression a lot and I don’t know how to help him. i try the best I can but I don’t know what to do and it makes me super upset. not only that he seems to live paycheck to paycheck and is broke most of the time .. he spends his money on stupid s*** and I can’t say much because then the depression kicks in because he knows he’s broke. he’s 23 and i’m 26 I feel like we’re going nowhere because I wanna get a house and get married and have kids but I can’t be the only money / mental support. any advice on how to talk to him to help him save so he doesn’t fall more into depression? he’s super sensitive but he’s literally the sweetest guy I know and no one has ever treated me better. i’m trying to help him with both money and mental but I feel like i’m failing and i’m stressed about it