I (61/f) am so frustrated about my boyfriend (66/m) finances!

Suffice it to say that I've been through thick and thin with my boyfriend's financial woes for YEARS. While he seems to have improved somewhat thanks to my help and breaking up with him briefly b/c I was so frustrated and freaked out by his irresponsibility, he is "responsible" now. But he just can't seem to always budget himself and barely gets by paying his bills even though he works and get social security so I've not allowed him to move in. ​ What about retirement? He claims he has his act so together that I don't need to be concerned, but don't I? How can he retire any time without working until he drops? And even if we live together so his expenses are less, I just know he'll barely scrape by. How can someone retire on $20,000 today?? Do I finally throw the towel in? I feel bad for him but not sure even with all of his love and affection it's worth the risk? ​We REALLY do love each other and I know I shouldn't throw that away but I just don't see his situation improving and I can't seem to tolerate it...makes me really nervous and sad!

You say he’s improved so what’s the problem and continued to. Hes taken your help. If there was a problem it would be getting worse more irresponsible and he’s wouldn't bother taking your advice.