VECTOR Institute

Once you hit 18, you are legally an adult, which changes how you interact with institutions and your own health.

Mastering these skills early helps avoid the "lost" feeling that often accompanies early adulthood.

: Your intuition is a powerful tool as you start making major life decisions.

: You can now vote, serve on a jury, get married, and enter into binding contracts.

: You can open your own bank accounts, apply for credit cards without a co-signer, and start investing in stocks.

Turning 18 is a massive milestone that blends newfound legal freedom with significant adult responsibilities. Whether you're a teenager navigating this transition or a parent looking to support one, a good guide focuses on balancing independence with practical preparation. Essential Legal & Financial Checklist

: Learn to track spending and understand credit scores. Building good credit now (e.g., through a starter credit card) makes it easier to rent an apartment or buy a car later.

: If your 18-year-old still lives at home, establish clear house rules regarding chores, guests, and future plans. When You Turn 18 | Mass.gov

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