I'm fifty one years old and just kinda wanna break down what I've seen in my life:

My grandparents generation: Was able to buy housing, get healthcare, receive retirement. Note: They lived through the great depression, and categorically never spent any money that wasn't necessary, even when they had several boatloads of it.

My parents generation: Housing was achievable but not given (I remember a whole lot of single wides, apartments, and duplexes among the adults of my childhood). Healthcare was affordable. Retirement was promised but not delivered.

My generation: Housing was achievable if you moved to the sticks and loved you some Jesus at the local Baptist Church, but not in the cities. We got a taste of healthcare twenty five years ago, but then yeah no. Retirement? Hahahahaha! We got 401(k)s forced in us, and they never materialized into dick. Many flatout vaporized when our marriages fizzled out.

My kid's generation. Seriously, just die in the street. You'll get absolute fuck all nothing, and you'll like it as the older generations blame you for our fuckups.

My great contribution is that I'll be able to leave my house free and clear of mortgage to my spawn when I check out. She can live in it, sell it, rent it, burn it to the ground. Whatever she wants, but damnit, I'm giving her the opportunity to do it, which most of her peers will never have.