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An emancipated minor is typically someone who is legally allowed to make decisions and take actions that are usually reserved for adults, due to specific circumstances or legal processes. The defining characteristics of an emancipated minor include financial independence, the ability to enter into contracts, and in some cases, being married or serving in the military.

Living with a parent or caregiver is not characteristic of an emancipated minor. Emancipation often means that the individual has gained independence from their parents or guardians, allowing them to make decisions without parental consent. Emancipated minors generally live independently or in a setting that acknowledges their autonomy, rather than residing with their caregivers. Therefore, the presence of a parent or caregiver contradicts the notion of emancipation, highlighting why this option is the correct choice as the one that does not fit the definition of an emancipated minor.