A recent survey found millennials think parents should stop helping with bills at earlier ages.

Bankrate.com found millennials are harder on themselves than their elders when it comes to paying their own cell, auto and housing bills.

According to survey results, millennials think people should pay for their own housing at age 22, their own car at age 20, and their own cell phone bill at age 18 without the help of their parents.

“Getting off our parents’ payrolls is obviously based on a slew of factors, like income, student debt load, parents’ willingness to pay, your parents’ income … the list goes on. Don’t feel down on yourself if you’re not quite there yet, but keep striving!” Bankrate.com says.