Millennials and Gen Z are really the bag holders for ZIRP and many are still trying to make sense of why they can't do what Gen X and Boomers did, just work, save, take out a bit of debt, and degree, get their homes and car and be chilled, its just not possible and people are slowly figuring it out, and emphasis on slowly because this bad advice continue to be repeated by boomers who say hey look at me I did it working in a factory lol you have a desk job stop crying

Even those who are "lucky" enough to have boomer parents who can hand down wealth its not a silver bullet, governments are keen on getting that sweet tax money and might not let it slide as easily as in previous years

So maybe a subset of millennials do get a nice piece of boomer wealth passing down, it won't be a given and that window could eventually shrink