I work in IT support, and I have for longer than I'd like to admit. I'm on the very early edge of millennial. I was born a few years after the generation "started". My older brother was on the transition between millennial and gen X and my oldest sibling was very gen X. My parents were part of the prior two generations (boomers etc), and I tend to work along side and for all sorts of people from all of these generations.
Earlier than gen X, eg boomers and older, are usually technology adverse, they don't like change. I find many are kind of "set in their ways". Of course there are exceptions to the rule, but they seem to be fairly rare. They like to do things using methods that are tried and true, but often reluctantly agree to use computers instead of paper because that's what others are doing. Even so, they're fairly adverse to updates and changes that modify how things get done. They have money, and you can't have any of it. Often, they have little understanding of the problems faced with current generations, likely because they did not have the same challenges, and despite their stories of "back in my day" about how hard things were for them, they actually had it rather easy in terms of cashflow and buying power. They made less, sure, but when they were able to buy a mid sized, single family, fully detached home for the same dollar value as a "cheap" car costs now, their money went much farther (around $20k).
Gen X is kind of lost. What I mean is that they don't really have too many traits that stand out. As far as I can see, they're hyper independent, mostly riding the coat tails of the bombers economically, so, while they didn't have it quite as easy as boomers did (despite what boomers might think/say), it also wasn't significantly harder for them. They were mostly able to follow a fairly typical life path, get an education (HS/college/uni), get a career, buy a house, have a family (if desired). Politically, from what I've seen, gen X is the most diverse group and they're usually following along with whatever is regionally popular. Not because it's popular, but because they're surrounded by it. From what I've seen this group is the most adaptable to their neighboring community, mostly just trying to fit in and not be bothered. Right now they're a large part of working professionals.
Millennials are usually post college, debt laden individuals that are just tired. They were trying to kick-start their lives in some of the craziest times imaginable. Many early millennials who were able to quickly move through the education system, and immediately get into a career and the housing market follow more along the lines of gen X. If you were held back for any reason or you were caught up in a situation that held you back, you shared fate with many of the later millennials. The majority of millennials were caught up in every economic crisis short of a complete collapse of the money system during the years that they should have been starting their careers. Homes rose in price swiftly and vehicles didn't lag far behind. Driven by sheer determination to succeed, many accrued significant debt that they just want to balance out. This group is the most technically malleable and can adapt to most technology changes in the shortest time. Growing up on landlines and home PC's/consoles/electronics that all significantly changed their designs, capabilities and interfaces every 4-5 years. Many seem to be problem solvers and want to be helpful/useful. Many have, and some still do, hold onto the ideal that their contribution should be impactful. Most just want to be acknowledged and told they're doing well, while making enough to pay their bills and debts. For many the dream of owning a home is dying or dead. Renters, car owners, debt holders. They're growing rather jaded about it as they get older.
Gen Z have their own language. Millennials did too but mostly in cultural memes, with the zoomers, it's less cultural reference and more of a short hand derived from cultural references. Things that on their own, don't make any sense and are not even full sentences in any way shape or form. They follow in the aftermath of the economic crisises of millennials and have many of the same economic challenges. Many of those challenges are simply more severe. Prices are higher than ever, buying power is at an all time low. Surrounded by toxic "hustle" culture and many seem to want nothing to do with that. Many find humor in randomness and unexpected happenstance rather than traditional subversion of expectation as humor. They're quickly becoming the most socially aware and active generation, and want change. Technologically growing up on iPhones and Androids rather than home PC's, many are not very adaptable to changes in technology though zoomers are one of the highest use groups for the technology. They use it, they don't really understand it very well, so when things break, even if they're only non fictional in their current state, things are replaced rather than fixed. Eg, if their iPhone is too slow, rather than trying to find out why or trying to fix the issue, better to simply upgrade to whatever apple is currently pushing. Due to this, they needlessly spend more money than their older generation counterparts. This is by design by the actions of corporations, fostering a single use, replace, not repair mentality. They're not lazy or lacking in motivation at all, despite appearances that may show a lack of success, instead the lack of success is driven by an inability to find adequate employment that will pay enough to allow them to prosper. The majority will be "held back" from the "typical" life path of education > career > home ownership > family, because of their inability to prosper due to high prices and low wages.
Overall, through the generations there has been a decline in community as a function of geography, and an increase in community as a function of shared interest, mainly due to the growing and universal access to the internet. The internet has allowed both good and bad to be accessible at a moment's notice. This has shortened the tolerance to delays and given a sense of urgency to even the most trivial and mundane of requests. With the immediate response available from growing internet connectivity, demand for more frequent, more detailed updates from everything has grown significantly, eroding confidence in others to fulfill their obligations unless they communicate that "we're doing things" (so to speak). Even something as simple as ordering take out or having things shipped, if there is no tracking and reporting, then it might as well not be happening.
Over all, IMO, the problems faced by the current generations tend to be more centered around artificial issues created by corporations. They want to pay less, earn more, and overall turn a larger and larger profit. This is neither surprising, nor helpful to most. It does however explain the single use, replace rather than fix, nature of things that has been growing. The rise in rental vs ownership has increased the cost of living and is on track to build a service-based lifestyle where personal ownership doesn't happen. Everything is provided for a "low" recurring fee, which has so significantly outpaced any rise in wage that most will be unable to accrue any amount of savings.
For me, all of this has made it very clear what future we're in store for, and bluntly, it's not very pleasant. Perpetual home rental, no personal ownership of vehicles (you simply tap a button on your phone and if one is available, it will arrive for you to use, little more than a taxi service), video, audio and other media will be rental only, streaming over the internet, which is a monthly service fee. This leads to near zero ability for customization of your lifestyle. You have no choice in terms of the appliances and devices you use, the car you drive, your home's design... The list goes on. So if you want or need something different, you're completely out of luck. Conform or die.
I tend to agree with your summary of the generations, but my experience in life sounds largely similar to yours, so some obvious bias there. The future you paint feels almost inevitable, and I hate every bit of it. Yet I can't find any reasonably effective way to change it.
I'm an early gen Z, I'm 25 right now, and have been on the job market for 8 years so far.
I'm tired, I'm overworked, I'm stressed, I'm looking for upward mobility in my domain but every company is making cutbacks, withholding bonuses and holding pay increases.
I'm a software developer. I'm working a main job and freelancing on the side to make ends meet, and it's still not enough.
I invest in my future with things like RRSP and FHSAs, I have some luxuries (small car, a dog because what is life if it's completely miserable?), and it hurts every time I get a necessity because everything goes to rent, food, clothing, etc. and grocery bills are always close to $200 for 2 people, even at the cheaper grocery stores.
Everything's down on quality, nothing lasts, so we either have to buy things over and over, or save up a ton of money to pay luxury prices for a decent product that won't break the very fucking second the warranty expires.
We're getting gouged as much as possible. My group is particular because we started our careers slightly before or during the 2020 pandemic, where companies learned that they could gouge the fuck out of everyone on necessities, and people starting out fresh are hit the hardest as they don't have savings or mature investments.
I promise you, I have no savings nor investments, mature or otherwise.
I completely understand where you're coming from. I've long considered that the next generation is going to be royalty screwed. Millennials are not doing great. I know many that are struggling, but gen z didn't even get a chance.
Give your dog some pets for me and I hope things get better soon.... Or the government collapses under the insurmountable weight of all the bribery that's going on.