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Worse. Just apathetic losers. Peaked at 20 types.

Yup. I've got a neighbour that I help out from time to time who had infinite opportunities and fucked them all up with booze, drugs, and women.

It's retarded, but possible.

Mine were as well. Just mostly did barely enough to survive. Resented their workaholic parents, but received just about everything they owned from them. Secretly admired (or maybe envied) hippies. Didn't understand investing in anything. Believed (or maybe hoped) that the world was going to end soon and Jesus would come take them away.

Debt. Boomers are addicted to debt like crack. They saw the most insane real estate value appreciation ever. Some of them bought homes in California in the 90s for $100,000 and those homes were worth $1,000,000 just a dozen years later. And every time their home inched up in value, they'd immediately do a cash out refinance of the home and spend it on overseas vacations, boats, RVs, etc.

Some of the more "responsible" ones that tried to do good still acted just as stupidly, instead using said debt to send their kids to school. Except they sent their kids to out of state schools costing $25K per semester instead of the local state school or JC/CC for $1000 per semester. And then they continued to cut blank checks even as their fuckhead kids got Cs and Ds and dragged out their undergrad for 7,8,9, 10 years only to major in something retarded anyway.

If you know a millennial college grad without student loans, then 90% chance their boomer parents have $200,000 in debt for them, 5% chance the parents are just loaded, and 5% chance the kid is actually smart and avoided/paid off the debt quickly.