Gut instinct is telling me something but i really am unsure what to do

r/

I, 21F have been with my boyfriend 20M for two years now. We had a pretty stable relationship and moved in together.

After moving in he started giving little tiny hints that he has an awful financial situation. He has been extremely immature with his money and was even sort of immature with mine. Not only is his card racked up, but mine is too now.

He is never really straight forward about this stuff either, and even though I have talked to him about this, it hasn’t changed. It seems sometimes he omits the truth and it doesn’t sit right with me.

One day, his car got repoed and instead of immediately trying to fix the situation, he waited a month and a half. (I even constantly reminded him to try and get it back) The car ended up getting sold in that time so he has been having to use mine.

When it comes to communication, it feels like he shuts down and doesn’t even want to talk to me when I bring up something important. Sometimes he even goes on his phone and watches TikToks.

I just need to know if this gut instinct I feel, doubting the entire relationship is wrong of me. I am scared to leave because since he’s been using my car I have no money, no job, and no where to go.

So please help me reddit, am I crazy for thinking this way about the situation?

TL;DR Boyfriend has made some pretty awful financial decisions and has been preventing me from getting a job and progressing my life due to his car getting sold. Gut instinct tells me I shouldn’t stay, but I am scared to because I have no where to go and no money to my name.