Let's think about some other benefits of starting our financial lives earlier. If our kids begin to work while in school, they can begin to save for retirement earlier, even if it is just a little bit. And, if our kids get married in their early 20's, then have their kids at a young age, they can be "empty nest-ers" by the time they are in their mid-40's. Just think - how great would it be to have no kids at home to support while you are in your prime earning years. You would be young enough to be healthy and have the freedom to have fun. Then, when it is time to retire, you could have a substantial nest egg.
If this is you, then be encouraged! You have a lot to look forward to.