“…However, at this stage, most young people do not consider themselves adults and have not taken on all adult responsibilities (i.e., a full-time job, marriage, and parenthood). In both qualitative and quantitative studies, three criteria for adulthood have been found with emerging adults: accepting responsibility for yourself; making independent decisions; and, becoming financially independent (Arnett, 1994;1997;1998;2001;Nelson, 2003). Over time, emerging adults take on more responsibility, are confident in making their own decisions, and are financially independent.…”