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How can you tell the difference between them being immature vs their personality?
Anonymous
(25-29) 
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Really good question. I think sometimes both things can be the case. Although it can be more complicated and splintered than that. A person could be very good about adult life, working, being responsible, taking care of their money, etc. yet still be terribly immature with relationships or just emotionally period. Or the other way around: very kind, loving, mature about caring for someone else, yet in their personal life they are super underdeveloped, messy, disorganized, lazy, not very mature with life stuff.
You would have to really get to know the person for awhile to see the difference.
Time, paying attention and communicating. Not really that hard to tell if you are mature. Unless you're immature and don't realize it.