Coming off Parents’ Cell Phone Plan Seen as Key Adulthood Milestone, Survey Finds

A majority of Americans now consider taking over one’s own cell phone bill a significant marker of adulthood, according to a new nationwide survey.

The poll, conducted by AT&T among more than 2,000 U.S. adults, found that 76% view leaving a parent’s mobile plan as a major sign of financial independence. Despite this, many delay the step: while two-thirds believe it should happen by age 21, most don’t begin footing their own phone bill until 27, and 18% wait until 40 or later.

Mother and daughter using a smartphone | Source: Pexels

“Eventually they have to get their own car insurance because they can’t stay on their parent’s plan once they are no longer living with them after they’ve finished school,” said Carolyn McClanahan, certified financial planner and founder of Life Planning Partners. “So it is not surprising that they stayed on the family phone plan as the last break for independence.”

Financial planners say the symbolic value of paying a cell phone bill has increased in recent years as young adults face mounting economic pressures, including higher housing costs, record student debt, and stagnant wages. The average monthly phone bill stands at $144, according to J.D. Power.

Yougn woman and old lady using a smartphone | Source: Pexels

“Separating from a parent’s cell phone plan might seem minor, but it symbolizes something much bigger: financial independence and personal responsibility,” said Douglas Boneparth, president of Bone Fide Wealth. “These micro-milestones offer a sense of progress and control when other financial goals feel out of reach.”

Despite often receiving support with rent, insurance, and utilities, many young adults are using small steps like these to assert independence in an increasingly complex financial landscape.