I'm also interested to hear more, but FWIW as an EU-resident and millennial with a bunch of millennial and lots of 'zoomer' friends: 1) out of everyone I know,

I'm also interested to hear more, but FWIW as an EU-resident and millennial with a bunch of millennial and lots of 'zoomer' friends: 1) out of everyone I know, working- to middle-class, only three people 'own' a house. One of them inherited it from their father, and the other recently bought one with a mortgage and has an unusually stable job. Of the rest of us/them, I'd say a good 70% live in a flatshare (regardless of whether they're in their twenties of thirties), 20% live in a small apartment with their partner, and the remaining 10% or so have some kind of studio apartment because they make decent money or because their student organization provided them with cheap housing. 2) with the exception of those who have jobs where a pension is built up automatically, none have bothered. Which is probably about 80% of them (100+ people). And in conversation the general assumption is that any kind of pension will probably not exist by the time we need them, so why bother (not saying I agree, btw). That said, I'd say my social network skews toward working class and educated-but-not-STEM. And urban, which favors the precariat.