As I’ve discovered via comment conversation with another user, you have a uniquely tricky situation on your hands. You are attempting to describe what is essentially two layers of dependence.
I’d say you are correct that “dependent” has financial connotations
On one level, you are saying that this person is dependent on parental support. In my (USA) experience, the word “dependent” usually indicates financial reliance. This may have a lot to do with the language of our tax forms, on which any child you support is considered your dependent (we spell the noun and adjective the same here). If I overheard someone say:
She’s still dependent on her parents.
I would assume the person being discussed is reliant on her parents for money, whether or not she lives at home. In fact, I would probably assume that she does not live at home since if that were the case the speaker would have mentioned that fact instead and left the financial dependence implied.
“Dependent” has other connotations as well
In addition to the sense above, which would be most clearly understood in cases where someone relies on financial support, there are other elements that may play in the minds of the audience.
Addiction (drugs). This is sometimes referred to as a dependency (on a substance).
Relationships (psychology). Elements from psychology jargon have entered the vernacular, so you may hear references to dependent/enabler relationships or co-dependent relationships.
Dependency on dependency
As I mentioned at the top of the post, you’re probably getting tripped up on wanting to say similar things about the situation itself and this person’s relationship to the situation. Both are characterized by dependency:
- Person’s situation: He depends on his parents to provide certain things.
- Person’s relationship to the situation: He has grown dependent on this situation of dependency.
To avoid all of the above, I think most native speakers would take a different path altogether. Here are some things I could imagine hearing about this situation:
- “You’ve grown accustomed to the lifestyle your parents provide.”
- “You need to leave the nest.” or “You need to cut the cord.”
- “You are experiencing failure to launch.”
The last one may only work in the cultural presence of this movie (check the link for some real-world usage of “dependent”). There’s also an article in The Huffington Post, entitled Failure to Launch Syndrome: What You Need to Know to Help Your Dependent Adult Child, which was written yesterday has a lot of good examples of related language.
Editing the original phrase for tenses
Your original phrasing is pretty good, but the tenses don’t seem quite right to me. Here’s how I think they should be:
I think you’ve got(ten) used to being dependent on your parents...