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I guess at age 18 since I started University in '92 right after graduating.

I didn't repeat any grades but quit university after 3 years (got bachelors but not masters) and had a steady job in software development at age 21. Since I still lived in student housing my total living costs were less than 20% of my income. So much disposable income, which I disposed off in PC hardware and AV equipment. (9,000 guilder PC, 7,000 guilder AV receiver, 5,000 guilder 2nd hand CRT projector) No debts to pay off either thanks to government subsidized universities, student fund for all, and extra benefits through my dad's work (university fund) I grew up in the golden age for schooling it seems.