Stepping out, taking the risk to dive into this crazy world as an adult, as Miss Independent (cue Kelly Clarkson), can be totally scary.

We like to think we are self-sufficient and not at all apprehensive about living out on our own, out from under the wings of the grown-ups in our lives.

I remember when I moved into my first apartment post-college. It was a seven-hundred-square-foot space that was mine to decorate, leave messy, and clean up only if I felt like it.

Exciting . . . until it came time to pay rent for the first time. Yikes.