My car insurance costs $11,000 a year!

[noamnety]

32. It really doesn't matter at this point.

He needs to come to terms with the fact that his entire annual earnings won't cover the cost of him having access to a car and driver's license anymore. I like the one idea of him turning in his license, so you can work on getting him excluded from your policy.

The best he can do is use this year's pay to cover the debts he has already incurred, with any extra going to basic living expenses (his share of rent, food and utilities), and maybe in the next few years be able to save something toward retirement as well.

I know you said you don't feel like he can live independently, but it's part of being a parent to help him get as much toward that goal as possible. That doesn't mean necessarily moving out of your house or cutting off a safety net for him; but it does mean forcing him to live up to the expectation that he will be self-sufficient in paying his share of expenses and doing work around the house. It may not seem important now but if something were to happen to you, god forbid, he needs to have an idea of how paying bills works in the real world. You can't set up a situation for his other sibling(s) where they have to take him in to keep him from living on the street, and they suddenly have the burden of supporting this grown man and their insurance jumps to 11k a year on top of everything else.