What is the life experience that differentiates adults from adolescents?

I always read somewhere that people who are over 25 years old are supposed to have much more life experience compared to, say, a 16-year-old. Sure, I've been in one long-term relationship, graduated from university, and I'm currently working in a demanding profession.
I have been living with my parents longer than most people, but not anymore.
I have never owned a car, an apartment, or anything expensive that is difficult to get rid of. I struggle to pay the bills in time even though I have the money, I rarely cook food.
I don't have kids, and I don't really have friends.
I haven't been travelling or seen the world, excluding a few short holidays.
I don't understand anything about politics, and i don't watch the news. I try to be a responsible, unselfish, and a decent individual.
I was treated badly for the longest time growing up, so despite being in my early thirties, I'm emotionally stuck in my teenage years. This is visible to me and to people who know me.
My intelligence is normal.
Your average 25-year-old is easily more adultlike/mature compared to me. I know the brain isn't fully matured until 24 years, but that's not the same as life experience.

So what exactly is this "life experience"?

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I am also wondering this because having a big age gap (even 5 years, which isn't that much) in a relationship is frowned upon, especially in your 20s and 30s, and a common argument for this is again that the other lacks life experience. In my opinion, the incomplete brain development that affects decision-making, etc., is a bigger problem.
What is the life experience that differentiates adults from adolescents?
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