Psychologist Anna Heal

My name is Walter, I am 63 years old, and I have a question about family and children. My wife and I raised three kids, and now our youngest son, who is 28, still lives at home. He has a good job but spends almost all his money on things he does not need. Last month he asked us to pay for his car repair because he had no savings. When I refused, he got angry and said we never taught him how to manage money. That stung because I worked two jobs to keep the family afloat and never had time to explain budgeting. Now my wife thinks we should help him again, and I worry that if we keep bailing him out, he will never learn. At the same time, I feel guilty for not teaching him financial literacy when he was younger. I also have nightmares about him ending up broke and alone. I do not want to be a controlling father, but I also do not want to enable him. How can I talk to my son about money without making him feel like a failure, and how do I handle my wife's disagreement?