It didn’t just “happen” with boomers. My parents didn’t have their first home until in their mid thirties, payed 13% interest on their mortgage, worked plenty of shit jobs on the way there, saving etc. Your description of the boomers is idealized and I think not remotely the norm. They enjoyed far fewer material possessions than we do today, and by many measures had fewer money-making opportunities than exist today, and capital wasn’t nearly as free as it is today. When you’re in your 40’s (provided you make smart choices in your 20’s and 30’s) you’ll have far more wealth than the kids of that time will. Part of it is just a function of longevity and saving. Stop expecting to be able to buy a house when you graduate. It wasn’t true for my boomer parents, wasn’t true for me (younger genX), and doesn’t seem to have changed now. If you seriously think you’re a more dour generation with tougher problems, it should be all the more motivation to stop spending money on frivolous services and throw-away possessions and save, save, save. Focus on bringing social and chemical stability to your life and creating a new, stable family. Leverage the myriad money making opportunities out there. I read comments like yours and then read an article in a business rag talking about the disrupted workforce of today, specifically how easy money is giving younger workers more freedom to set the terms of their employment. I would have killed for the low-barrier-to-entry opportunities available today on the Internet when I was in my teens. If you can’t make it in America in today’s environment, it’s a product more of your informal environmental education. Get new teachers - don’t complain, up your game.