I certainly agree that a subset of 'boomers' had unique access to stable careers and an outstanding real estate market. But I do have a few question... What de

I certainly agree that a subset of 'boomers' had unique access to stable careers and an outstanding real estate market. But I do have a few question... What degree/program were you enrolled in? And how much debt is 'sinking in debt'? It seems to me that its been well known for years which degrees/careers are profitable and which aren't. Most school's graduation outcomes are publicly published so it shouldn't be too hard to do the calculus. That said I do understand how can easily get into a bad situation since most college decisions are made when you are ~18 plus a lot of people depend on parental assistance which can be unpredictable to say the least. On another note, it is important to consider that owning a home prior to the modern super low rates had the opposite problem; the purchase price and corresponding down payment was easy but the payments are 'expensive'. Unless you had prior knowledge that interest rates were going to bottom out, there was little reason to think you would make much in real estate and for middle America making the mortgage payment was a constant struggle. In some ways the bull run on the stock market is an even better 'generational-specific-early-investment-strategy' for millenials because you can make 10%, 20%, even 30% YoY returns without any risk or upfront cost. Really at this point, the most worse off are the last of the millennials and future gen-z individuals entering the labor force. Asset prices including both stock and real estate are at all time highs and pretty much everyone agrees both are in a bubble but both continue to give >10% YoY returns which makes non-participation very difficult to recommend.