03/17/2013 07:31 pm ET Updated Dec 06, 2017

Until You Leave Your Family Cell Phone Plan, You're Not a Real Adult

There are so many different milestones on the path to becoming a young adult:

-- Begin a retirement savings plan

-- Leave your parents' health insurance

-- Get engaged

-- Get married

-- Buy a car or house on your own

-- Rent a car by yourself

-- And, of course, realize you're too exhausted by Friday night to hit the bars like you once did

Most twenty-somethings can relate to at least a couple of these achievements. Still, there's one more that very few are willing to do:

Leave the family cell phone plan.

Let's get this straight: We voluntarily drop thousands of dollars on engagement rings, weddings and mortgages, but the idea of paying $80 a month for a Smartphone with a data plan?

Out of the question.

Perhaps the family plan is an unspoken bond between child and parent that no one wants to break. A recent poll from Harris Interactive found that two in five parents of 18-to-35-year-old children pay for their kids' cell phone service.

Mom and dad like to have one final way to support us, and, well, we like to be supported.

Sue Shellenbarger of The Wall Street Journal does a great job exploring the issue in a recent column called: 'What's the Netflix Password Again, Mom'?

Shellenbarger says it's common for families to share (or parents to pay entirely for) the cost of tech products like Smartphones, Netflix and iTunes.

But is there a point in which twenty-somethings should go solo on cell phones?

I argue that yes, there is.

The decision to leave the family plan -- or not have your parents pay your own plan -- has less to do with age and more with means. If you can afford a cell phone plan of your own, then you should cut ties with the 'rents.

The family plan is the last vestige of your former life, the one when you depended on your parents for food, shelter and a few bucks to see a movie. In our digital-everything world, it's the final cord we need to cut.

Otherwise, we end up in conversations like this one:

Of all the fake (and hilarious) videos on The Onion, the one above seems most plausible in real life. A 29-year-old shouldn't chide his mother for missing a cell phone payment, but the conversation probably happens all the time.

In the WSJ article, a psychology professor calls the family plan a 'symbolic bond.' Mom and dad know that once we take ownership of the payments, that's it. We're all grown up, and there's no going back.

We all reach life milestones (i.e. get hitched, buy property) at our own pace, and no one should judge who does what and when.

But if you want to declare to the world right now that you are a young adult, there's one thing you need to do.

Cut the cord.