Millennials who came of age during or after the financial crisis haven’t had the easiest economic start. There’s been much hand-wringing about a generation who doesn’t seem interested in marriage or kids, lives with roommates for years on end, and keeps coming home to live with their parents. If you scratch beneath the surface, though, these so-called ‘trends’ really belie deep financial insecurity, most of it caused by forces outside of Millennials’ control.