Unfortunately, affordable means crime-ridden neighborhood.
The about 25% of Gen-Z seems to be reaching for more then they need or can handle. A two bedroom apartment when it is just them because "we need the space for our stuff". Door Dashing food rather then popping a Stouffers in the oven and making a salad for about a quarter of the price. Yeah, learn to cook and you can make it cheaper yet but I am going with what they can do.
And do not even get me started on the "making memories" bunch. Apparently the only way to make memories is by traveling far away and staying in the best resorts.
Financial illiteracy is killing them and that is the ones with good jobs and high salaries from their degrees.
About the only kids that seem to be doing ok are the ones that are, oddly enough, on the bottom. They didn't go to a four year out of state college, they had a job from the time they were out of high school if not earlier, they know how to do things. They will be fine. They got about five lean years but barring some sort of tragedy they will be fine from that point on.
Just my observations.