Context: I'm 22 years old, I am very bright in a logical way, my whole life growing up my parents struggled a lot, and I took that all in. I took in their worries and knowledge and now exercise it as if they were my own, but every time I meet someone new and we begin talking, they often take my intelligence for granted and rant on about stereotypical young adult mistakes. Like not knowing how to manage their finances, partying late with strangers, eating healthy, and even common sense things. They ridicule comments by saying things like, "Oh, now that you are paying bills someones conscious of turning off the lights!", "You have to save money not blow it all!" things like this despite being enrolled in a matched 401(K) with my job, having two separate checking accounts on direct deposit with mainstream banks(free spending and bills) and a separate credit union with no card for direct savings.
I want a word/phrase that isn't just "smart/bright/intelligent". "I'm smart, I know this." because all children say this.