No easy answer to this. I agree that I really didn’t get the financial stuff until I completely supported myself. And that’s probably true for everyone, regardless of age.
But in the tranquility if dormitory life, I found myself saddled with some personal problems that were in most ways more adult than any I’ve had to deal with in the 32 years since, the likes of which I hope never to deal with again.
Compared to all that, learning to cook and launder and pay the bills seemed pretty trivial.
It doesn’t happen that way for most people. But it could easily happen to anyone.
Your adolescence will end when it does. You could be 15 or 30. You’ll know when you get there.