OP you are wasting your time looking for a book. Having had plenty of experience with my own brood I can verify that if lessons like this are not learned through life experience there is no way that this book will be read based on attitude as described. He is now 22 and working ergo responsible for himself. Advise him by all means and make it clear that if he does get into any financial difficulties, it will be up to him to get out of them and you will not be there to bail him out.
I was never to bothered myself when I was that age about saving money. You learn as you grow older. Forget lending him money, this only encourages overspending.
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