An interesting read! One thing I'm not sure about though, is the author's opinion (toward the end of the article) that Gen Z will be even worse off than millenials. I don't think that this necessarily is the case, and the author does not offer any evidence or even any reason for that opinion.

By contrast I think there is a lot of hope for Gen Z being better off than millenials, for the simple reason that millenials were hampered by entering the job market during a bad recession. The lost earnings during that time have a sort of compounding effect because it gets them off to a worse start for retirement savings. I'd like to point out that Gen Z are mostly still kids at the moment, and (while we shouldn't necessarily assume they'll be coming into their jobs during a boom time), there is no compelling evidence to suggest that they'll enter the workforce during a recession.