This responsible adult stuff bites crap, it really does. My advice? Stay a kid as long as you can. Fight to stay a kid. Really. This "It's my money and I can spend it how I want!" is bullcrap. If you make a dime, someone will come along and say, "You know what? We need 6 cents of that dime so you can have this thing you really need, like heat!" Then someone else will come along and say, "You may have gotten a dime, but you really need this service and that will now cost you 15 cents."
Amusing cat moment? Chrissy is sleeping on her head. I'm not kidding. She's like in that sitting with the paws tucked position, but her head is totally bent over and she's resting her weight on the top of her skull. It looks so darned uncomfortable I almost woke her up. Then I remembered, "She's a cat, if it were uncomfortable, she'd never do it!"