Our kids only get "free" until they are A). done with school or B). get married. Which ever comes first. That goes for cell phones and car insurances. We are still paying for one daughters phone, and the other daughters car insurance. Their mom pays the counterparts. We know the cell phone daughter will be done with school in June - so she'll be paying for the phone or getting her own plan at that time. The car insurance daughter still has 3 years of school left - but will likely be getting married before she graduates so the $150/month we shell out will go away then also. It pretty much sucks to be paying for your kids when they are adults and have jobs are not living in your house anymore.