My parents are boomers I think (they're in their 60s) but I'm not a millennial (I don't think? I was born in 1980).
They both own their own houses, whereas I'm stuck renting a housing association house, but they're certainly not well off.
My dad only managed to pay off his mortgage because he got a big payout when he was made redundant after having worked for that company for 26 years. After being made redundant a 2nd time a few years later he never found another job and has basically lived off his savings since then (he did have quite a week paid job working nights as a welder).
My mum only managed to pay off her mortgage with the compo after breaking her leg. Her house was an old, dilapidated shell until my step-dad died and the money from his share of his garage and from his life insurance policy allowed her to finally afford to get the builders in to finish the million jobs that needed doing. She can't afford to retire.
Neither of them live flashy lives and they certainly don't have lots of money to splurge. My dad is an alcoholic but what he spends on lager he saves by not eating very much and not putting his heating on above 13℃.