I gave this a lot of thought, tbh it doesnt have much to do with living away from your parents. One can be living with mom and dad their whole life but know how to handle sh*t, on the other hand I have been living abroad for almost 2 years now and most of the time i have no idea what im doing. I dont know how to handle expenses, and i mostly eat at university canteen but on weekends when its off, i dont even set decent amount of time to cook. I usually run away from home early in the morning and comeback after midnight. Its such a weird concept. Uusally I end up being productive away from home. I study in groups (im a medical student which requires a lot of work) with friends, I go to the gym, but when I reach home, I fall into pieces. I cant clean my room for weeks, there are unwashed dishes, the laundry is left...
I dont think 25 is old at all, or late to learn independence. It also does have to do with culture a lot of times. Many people dont rly get independent before marriage where I come from. In my case I just left the country, so i have to become independent, and i think i have so much work to do before i am.