Im a millennial. I agree with you. I was just noting that salaries of teachers with 20 years experience and (early) retirees wouldnt really skew that median too much since there arent that many millennials in either group quite yet. Even the oldest millennial who started right out of college att 22 would just hitting 20 years now. Although I definitely wasnt thinking early retiree meant 30s/40s, and Im sure youre right that there are way more tech/finance people who leave full time work than I considered. Now I'm curious the % of people in their 30s/40s who were able to do so.

Either way, I agree that its hard to lump everyone in/generalize, particularly when it comes to familial wealth, etc.