Millennials were the first to have all problems that zoomers have, sans mass migration and general state/societal collapse. As a zoom zoom you get the privilege of moving second. Millennials had the game upended on them. Schooling wasn't cheap, neither was housing and right before things could've been ok for that generation, they got rugpulled by COVID of which nothing was resolved, AGAIN. Wages were also lower, often times barely crack 20k a year lower.
You sorely underestimate the effects of the 08 crash as well, prices may slowly have dipped after, but the jobs dipped harder. Systematically the way to "make it" was much the same as it is today; graduate college, rent an overpriced shithole with 3 other people, hope you get a job with your degree, make hopefully middle class income while building credit all at the same time for a mortgage or to just outright buy something which would still take too long. Millennials even had memes on unpaid internships and needing doctorates to get their foot in the door to have a "real" job that paid enough. I haven't forgotten and out of all my friends that did college, only 30% have the CHANCE to make it, of which half were women who are out earning their boyfriends which is a recipe for miserable domestic relationships.
Zoomers get the privilege of an (((approved))) crypto market so there's less risk with still decent returns, a competing labor force that's less likely to competitive due to everyone being depressed and being on the cusp of possible, actualized social revolution, of which millennials could not fully enjoy due to their age should it happen. The only thing I think gen Z has worse is social dynamics, especially with women as it's more ingrained into you. Millennials didn't have this problem until the 2010s, as it's also been a slow, but steady march to the death of family rearing courtesy of the effects of social media.
Please post more politely next time.