Milennial friends of mine have the as follow jobs, not inheritence, not from money.
1. 34 y/o woman petroleum engineer, masters, $280k last year as a contractor. Paid off her school of mine's debt by 30
2. 37 y/o electrical engineer, has MBA, director of start up. $190k
3. 36 y/o significant other of ^, MBA, upper management consulting. $240k
4. 38 y/o finance major/ex FBI agent/ex marine, project manager for space industry currently in the $180-200k range, has a wife that's a nurse
5. 36 y/o fire captain, makes $130k salary for a city, works another $10-15k per year OT, has vet disability @ 2k tax free per month.
So, you crunch the numbers here. None of these people came from money, or inheritence, they just work hard and are smart. All can afford $4k a month mortgages in their 30's