Look, I am 46 yo- just turned 46. I have held national security responsibility level jobs since I was 21- I was very academic, so got big jobs= big responsibility- early. I was working part time from 18 yo whilst at college.
My mum ( dad died when I was 12) and to some extent, dad when he was alive, encouraged me and drummed in me the NEED to be independent and self- reliant. I am now married and I am still those things, with my DH just being a bonus in my life.
To this day, my happiest memories ( and I have led a fantastic adult life), is my childhood. Why? I had very little responsibility- still had to help out around the house as my parents wouldn't tolerate laziness even if with had help at home). I hated becoming an adult- I hated leaving uni as all of a sudden, everything was all on me as my parents had me late and mum was then 62 years and a pensioner. Every time things were getting tough with being an adult, I caught myself reminiscing over my childhood- I soon realised it was because I had ZERO real responsibility and yes, life is tough even with no financial worries. Therefore, I soon realised, given the chance ( younger mum, living dad), I may have struggled to really adjusted to becoming an adult to start with / soon enough, as not many people would voluntarily choose to be an adult. My mum also trained me to reason very early on, so she started slowly withdrawing help, as I was on a good wage and still asking for favours- I soon realised I was being ridiculous with my requests and needed to just live within my means (boarding school had already taught me to budget, but was getting a bit lazy, because I knew I could run to mum) and that's life.
So, my adult nieces apparently call me strict- well, my parents where stricter and I am very proud of them all flourishing and looking within themselves first before thinking others must step in. I have even taught them to be independent financially, even if they met a partner. Nephews learnt faster that it is now ME who goes to ask if they are still ok financially, when I have some spare cash.