This evening I spoke with a young lady that turned 30 a few months ago, and she made the comment that she was still paying the bills from a not so frugal lifestyle. Society kind of makes people feel like they are an adult when they turn 17, 18, 0r 19 but semi-adulthood goes on for a few more years. It just so happens that many people have already made a few major decisions by the time they are in there early thirties. Below is an article that is intresting, I would suggest that people get a guide...like the bible...otherwise you will be wandering around aimlessly.
http://www.bbc.com/news/magazine-24173194
https://www.biblegateway.com/