And don't be surprised if you still feel like a phony, even when you are a bonafide "adult."
This part is oh so true! I'm married, live with DH, pay all our own bills, have three kids and one on the way and I still don't always feel like an adult!
For me personally, I lost my Dad at 11 and feel that I had to do a lot of growing up then- he was sick for 3 years before he died and there would be times where my mom would wake me up in the middle of the night because she had to take him to the hospital and I was to be responsible for my younger brothers. I knew how to change my Dad's IV and administer his TPN and meds when he was at home. I did a lot of things and saw a lot of things that most 10-11 year olds shouldn't/don't.
After my father died my mother remarried and my stepfather really treated my brothers and I like crap- his kids were like gold and could do no wrong but we could do no right. That forced a lot more growing up, I was babysitting at 12-13 and buying my own stuff that I needed- shampoo, lotion, clothes, etc...
I tried to go to college but couldn't because my stepfather made too much for me to even get a loan and he of course was not helping to pay for me to go. I made it a year and a half before finances/depleted savings made it impossible. I was also made to pay rent starting immediately after high school graduation, as in literally the next week.
I was desperate to get out and somehow managed to wait until I was 19 and moved out with my boyfriend, now husband. We had our first child at 21 and got married shortly afterwards.
I don't know which of those things officially made me an adult. I guess society would probably say when I moved out and officially paid all my own bills but I think that things were underway long before then
OP, enjoy where you are right now. If your home situation is good, stay and get a better start than people like me. It has not been an easy road and when I look at my friends from high school and where they are compared to where we are, I think the main differences were finishing college and taking advantage of living at home as long as possible. It doesn't always work out for everyone but if it does for you, take advantage and start as far ahead as you can. Good luck!