im gen X but in the middle of the pack and I won’t see anything like a stable retirement. I don’t think im lazy. I got a dual majored stem with my bachelors and picked up a masters and tech certs. Now I did mary and my wife has medical issues and im in the us. So yeah if I was not supporting someone I would likely be fine. But is it a bad decision to love someone? Or to support them when life is not kind? Your experience sounds more like a charmed life than anyone born your year could do the same.