Do you have your own life?

Lately I've been at crossroads in my life, and when talking about it to my friends and family I notice everyone saying wait til you have your own life. Or wait til you know your life path. Well I have been in a seriously relationship for a few years, we rent a home together he has a great full time job, am I a cosmetologist and currently in college. We are young absolutely but don't we have "our own life" what does having your own life mean to you?