Financially stable? Nobody. Financially independent? Lots of people. Many people in their early-mid 20s are still on parents’ health insurance, still have student loans, car payments, etc. You can be a little financially independent (I pay for my car insurance, school, phone bill, groceries) while still not being financially stable. If I broke my computer, wrecked my car, had a medical emergency, whatever, I would either be using most or all of my spendable savings to cover it.

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