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I'm a millennial but must be a couple years older. Cell phones were in high school and a small handful in middle school. '08 and '14 impacted my early career years.
Larger picture than that, I am in the same field as my father. I have a "higher" level job with more responsibilities than he did at my age. I have more education. He and spouse owned a home and supported 7 kids on his salary alone. They had medical insurance that mostly covered the needs of the one kid with serious medical issues for the few years of life. I wouldn't even consider having one kid let alone seven without a partner working and bringing in around the same amount of money as me. Any major medical issue would destroy our plans. A house as large as my parents' would require moving to some small town where there are no jobs in my field.
Im older than you but one thing is I did 5 years of college and one year in a PhD and ended up changing careers. So my work progress was a bit stunted. I have a similar experience. My dad worked as a janitor and owned a 5 bedroom house and raised 7 kids. I often point to the family the main character from caddy shack for younger folks who may disbelieve or not understand what im talking about. Yeah with a masters and bachelors and certs and massive experience I am almost two years unemployed and so glad I did not have kids that would be in college now if I had had them.