Gen X scoffs at millennial earnestness, while millennials turn a side-eye to Gen Z’s frivolity. However, closer examination shows that while millennials might not have been the beneficiaries of the same economic boom times as, well, the boomers, they still might have better financial experiences than zoomers, or even older cohorts like Gen X and boomers. The bottom line is that millennials have weathered a lot of accusations of financial frivolity over the years, but at the same time, operated under the assumption that they’ve had it harder financially than younger generations.