The above is what I probably should have said. Interestingly (to me at least:-D), historically “Millenial” used to refer to what is now called “Z”, it once having been the term used to describe the generation that came after “Y”, but has shifted all the way over to now having absorbed Y and then replacing it entirely.:-P But yes, in 2018 (according to Pew) that situation finished switching and the old Z is now the new Y - though if you google search these terms, most results are how to market to these groups, and that likely confuses things further.
What I mean is that imho it is best to take these terms extremely loosely - e.g. an elder Millenial may share more in common with a late-stage Gen-Xer (“righteous dude!”, e.g. having watched similar TV programs even if as re-runs) than with the later half of what is now called “Millenial”, and similarly late Millenials with earlier Gen-Zs (no cap no skibidi, def no Ohio), and so on.
Though whether someone has rich parents or not seems to override all other factors such as generation or responsibility to work hard and save money for the future, when talking about owning a home:-(.