Well, this one might be a little obvious.

Millennials, who are constantly criticized for being entitled, have decided to draw the line.

A new study mentioned in Money and conducted by TD Ameritrade says Young Millennials think it is embarrassing to live at home when you're 28 or older. The same study mentions how teens view the age to move out is 26, or a full two years younger.

First, let's clarify what a Young Millennial is. The study defines this age as 20-26, or well under the usual cut-off for this generation of 35. These are folks who are in college currently or somewhat new to the workforce. Many, according to my own research, are working in their first career out of college or have decided to pursue an MBA or even continue working for a college.

For anyone who has criticized the age group, it's possible you're thinking of Young Millennials. Anyone older that 26 might be married with kids, quite possibly in a second or even third job, or--as is the case with 28-year-old Mark Zuckerberg--is leading a multi-billion dollar company. I've known many 35-year-olds who have exactly none of the common traits often associated with Millennials--such as a complaining attitude, a serious case of entitlement, and an outlook that's overly style-conscious.

Yet, if you're 20-26, why the cut-off at 28? Here's my theory.

Young Millennials have defined what the word "independence" means at work and in life.

And, they are totally wrong about it.

To someone fresh out of college, independence means the ability to make your own choices. You can play Halo on an Xbox all day now, or drive any speed you want, or have meals delivered by Amazon fresh to your door step. You can make all of your own choices without fear of consequences. Suddenly, you have freedom.

But, of course, you don't. The right definition of independence is accepting the responsibility for your own lot in life. You are the captain of your soul now...and the one who has to pay for insurance on your car. This form of independence is the exact opposite of entitlement. You are no longer entitled, you are responsible. No one who used this definition of independence would ever live at home, because you can't be responsible for yourself when you live with your parents and eat their meals.

This definition of independence means gain a new sense of self-worth. You did the work, you reaped the rewards. Who cares about being able to make random decisions about life? That's a shallow view, in the end. True independence means operating with an independent mindset--it's about creative thinking. It's about catching a vision for your future. Only someone who is 18 or 20 would really think that independent thinking means being able to buy any item on the menu at Chipotle or buy your own latte.

Fortunately, it doesn't take long before you realize you will spend your whole life in this independent state of mind, and it is far more rewarding. It's not easy.

But, then again, nothing worthwhile in life is ever easy.