Gorfias said:
I think it depends on the life you're living, and sometimes it's planned by choice and sometimes it's not. I'm 23 and my parents still help me pay roughly 1/4 of my rent, help me do my taxes, and pay my cell phone bill, but just this last year I went off their healthcare plan to the plan of the company I work for, and I started a 401k. But the only reason I'm in a position to do this is because I grew up in a middle class family that had the means and patience to help put me through college and help me land this job.
On the other hand, I have friends who are younger than me, aren't even graduated yet and are up to their eyeballs in student loans and working minimum wage jobs because their parents either didn't or couldn't give me what my parents gave me. And I have other friends who I knew in high school who didn't go to college, but have basically lived on their own since graduation, since their parents either couldn't or wouldn't keep them around. I would say both of these groups of people are more grown up than me--they have more responsibilities constraining them, and fewer safety nets to fall back on. If I lose my job, I know my parents will help keep me afloat until I find something else. Of course I also know there's a limit to that, and as I get older more constraints on the type of help they'll give me. I know there's a point where they'll stop helping me with money and start helping me with taking out loans if it comes to that. But even then that sort of help is invaluable, because they're also giving me their lifetime's worth of experience in personal finance.
But I also know my more "grown up" friends probably wouldn't have chosen to be thousands of dollars in debt before the age of 22, or living from paycheck to paycheck before the age of 20. As you said, age isn't really a determination for adulthood, and since you have kids and still don't feel like an adult probably not responsibilities either. I think adulthood is more of a spectrum than a threshold you cross at some point in life, and I think you can be on many different parts of the spectrum in many different areas of life at any one time. I have the capability to be fairly independent and make some major decisions, but I wouldn't say I'm prepared maturity-wise to make them on my own. And I'm definitely not remotely prepared for children. You've raised two children, and knowing you I know you've done it very successfully, so regardless of what you think you're at least very well developed in that department ;-) And on top of all that I don't think anybody is a good judge of how mature they are, for better or for worse.
Jadak said:
Wait, are you just saying this in the sense that it's culturally normal for parents to help pay for school, or is it literally a legal thing and can be demanded there?
It's a legal thing. If you have a child as a dependent on your health insurance plan in the US, they are automatically booted off at the age of 26. It used to be 23, but the Affordable Care Act (also known as Obamacare) extended that age to 26. At that point, they have no health insurance unless they get it for themself or get it through a spouse.