and the harsh truths millennials learn as soon as they hit their 20’s.
There are a lot of different definitions of generational cohorts, but I believe all definitions of millennial imply being born before 2000 (and many definitions put the upper limit closer to mid to late 90s).
As such even the youngest millennials are well into their 20s and the vast majority of millennials are in their 30s (with the first group of millennials entering their 40s).
It's Gen Z/Zoomers that are dealing with the life experience of their early 20s.