Hmm. It’s hard to say without dil’s side of the story.
For example my pil had full time free childcare from my DH’s paternal granny and grandpa, and the grandparents also paid for their house deposit.
When my DH, brother or cousins mention how tough the salaries and housing market is, defensibly without anyone even saying they had it easier they bleat on and on about how hard they worked. Well we do too, but when we are pissing up the walls large amounts of money on rent and childcare it’s going to be much harder to get a buy a house than if you are gifted a deposit and childcare. (Not even factoring in the changes in the housing market and salaries)
Of course it’s harder for millennial vs Boomers.
In terms of toys, child are tat magnets, everyone buys them crap. Your dil is probably trying to encourage you not to waste money on things that will not be used/donated or take up space in their house.
None sound terrible tbh. Life is VERY hard for our generation and she is probably pissed off and frustrated, not with you personally but the way things have turned out for our generation. I really worry about how hard it is going to be for my daughter’s generation, it’s turned to shit just in one short generation. My mother bought her first home at 21, had free university and has an amazing private pension + state pension on top.
have you ever tried empathising with her about it?