Almost every gen-Z I have met who owns a house got a loan from the bank of mommy and daddy.

You pull back the veneer and you find out that mom put down $50k on the house. There was a new coffee shop nearby to me and it had a really cool space, warehouse type, and I was talking to the young owner how cool their business is until they divulged that the space belongs to their dad - ok I guess daddy is just throwing money at you to keep you busy.

With the gap between capital income and labor income widening, it is becoming more difficult to obtain capital with your income at a young age.