I think you're value judging a lot of people without cause. Parental wealth is a huge factor as well, my parents are terrible at saving and basically paid for n

I think you're value judging a lot of people without cause. Parental wealth is a huge factor as well, my parents are terrible at saving and basically paid for nothing directly for me (despite both having high payingish jobs) but thankfully their spending bought me into good opportunities. Now I loan them money, and when they repay it I put it into a savings account for them (crazy, I know). Meanwhile my wife's parents are good savers and investors and paid for all her education, her first car, started her a significant investment account, etc. Unless you think the sins of the parent should be visited on their children, pause and consider your judgements.