[adamkf]

> maybe not even a car

Hold up — one can be mature without any of those things, but cars are especially optional.

[rib3ye]

maturity has nothing to do with it. these are recurring expense liabilities with very very distant return horizon.

[a1o]

Depending on which city you live, my feeling is owning a car is a lot less optional once you have kids, at least in their earlier years.