I'm a 25 year old business student living with my parents. I don't pay rent or tuition, though I do pay for my books, car, and car insurance. I have ample time and spending money , so I really shouldn't be feeling so insecure. Unforunately I feel like a loser since I haven't taken the initiative to take control of my life. I feel like at this point I should know how to pay my way in the world, but the fact is I'm not very good with money, and whenever I set budget's/saving goals I never can keep with them for extended periods of time. I have moved out once for 6 months, but I had to come back because it was too expensive. I won't graduate for at least another year and a half since I started school at 21 and didn't decide on a major until I was 23, and I'll probably have to stay at home for that whole time. I just feel like I'm slower than other young people and that I don't have the smarts or self control or initiative to live on my own. When I tell people this they often have some remark that indicates they see me as immature. I know that 90% of the opinions people have about other peoples live's are uninformed and usually meant more to hurt than as an objective statement of reality. GAHHHH!!! as I said before I am aware how self indulgent it is for me to feel sorry for myself, but dammit I do! what do I do? is this normal? am I a lazy loser? Should I have the world by the coat tails, impressing everyone with my rise to success and independence, blazing a brilliant path through this world? how do I cope with the reality that I'm paying for my crappy decisions when I was in high school and now I have to deal with my lack of independence and deal with the possibility that I'm missing out on a formative time in my life (independence in young adulthood).