It's a bit like the college loan argument. As a boomer I could pay off that loan in a couple of years on a job making about $3,000 a year (early to mid 70's). I could also find a decent apartment for under $200 a month, my car cost me around $2000 new. If I took a part time job, my second employer would try to accommodate my schedule, and I knew in advance if there needed to be any changes. I'm not sure that happens for kids or older adults anymore