Considering a man a bad investment for the future depends on various factors, such as the impact of his financial stability on your own stability, the seriousness of the relationship, and whether he shows a willingness to improve his financial situation. If a man consistently exhibits irresponsible financial behavior, such as constantly relying on borrowed money, letting bills pile up, or being evasive about his financial situation, it may be an indication that he is not eager to commit or take the necessary steps to become financially secure. Ultimately, it is important to assess the compatibility of your values and long-term goals, including financial stability, before making a decision to continue the relationship.