Being a Grown Up......When do you REALLY know you are one?

So I'm nearing the end of my undergraduate career....and looking LIFE in the face is a BITCH. It is scary, I don;t think that bitch like me and I think she got something against me....LOL searching for a job, trying to start a 401K, CD, Savings, MMAs, Insurance....you know responsible people shit....IS HARD AS HELL!!
I would say I came froma pretty fortunate background...I'm the child of a single mom but as she makes quite a nice amount of money we were never hurting financially, and God bless her frugal little soul. She is smart and as her daughter you would think I would be set right?? WRONG!!! I inherited all of my deadbeat father;s traits when it came to being stubborn and managing money....I have realzied, thankfully at 22, that I need to change my ways, repair my credit, save for tsunami days (cuz when does it ever just drizzle?), and be overall responsible. As I sit here knowing the things I need to do to live somewhat comfortably and apply for FT jobs, I wonder about those who have made it this far without the guidance of a savvy saving thrifty maxxinista like my mother....and especially black people. Are we behind because we refuse to read and all thats in our neighborhoods are check cashers, pawn shops, and rent-to-owns aka corporate slavery ? Eh...this is gonna turn into a ramble so I'm gonna go and twist my hair now....But it does make one think.....