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This really comes down to who has and hasn't saved. If you are a millennial that regularly saves into a retirement account you are probably looking good because the market has been good. But not a lot of millennials save for retirement which is the problem. Some of that is low wage, but some of that is bad spending habits.
Housing on the other hand is totally fucked for millennials regardless of what you are saving. If you got a starter home you are unable to sell and upgrade with decent rates. If you are first time buyer there is no inventory for starter homes because folks can't afford to leave them even if they want to.
I'm a pretty well paid millenial who was saving well. My partner is now disabled and our savings are shrinking from medical bills and supporting her lost wages.
For our generation, to succeed, you need to get obscenely lucky. One disaster can wipe a lot of us out.
I know it will suck if it happens but I think we might be nearing the point of revolution. Shit is really fucking hard and you're being squeezed from every direction... as an example my employer switched to "an equivalent insurance plan" my dental coverage disappeared and my raise+CoL increase is less than my increased out of pocket for meds - just for myself... my partner's medical costs are insane.
We exist a bad day away from destitution... and the wealthy and the boomers keep hoovering up "passive income" (i.e. our income).
Sorry about your partner's health. I know it's unlikely, but hopefully things can get a bit better for y'all.