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Millennials trying to buy homes in today's economy are up against a rock and a hard place. Unlike for their Boomer parents, the dream of buying a home continues to feel further away.

According to the National Association of Realtors (NAR), Millennials "continue to be fenced out of home ownership." The organization reported that in 2024, the average age of first time home ownership rose to 38 years old, up from 35 years-old just the year before. "First-time buyers face high home prices, high mortgage interest rates and limited inventory, making them a decade older with significantly higher incomes than previous generations of buyers," Jessica Lautz, NAR deputy chief economist and vice president of research, said in a November 2024 press release.

Millennials are airing their frustrations amongst each other in the Reddit thread r/Millennials, sharing their stories and experiences with their Boomer parents—with many calling Boomers "out of touch."

One Millennial wrote, "This topic is like hitting a dead horse, but I just needed to rant. Back story, I work out at a gym with people who are our parents age, and of the boomer generation. I overheard them saying, 'we bought our first home for $65,000. I’m sure kids these days are only paying $125,000 for that same house'. When they said that, I burst out laughing. How are they so out of touch? It drives me nuts."

Another Millennial replied, "Willful ignorance. Takes four seconds to go on Zillow and find out that’s bullsh*t 😆."

And another shared, "I'm not kidding... when I showed my dad actual data on itemized COL inflation, he said that 'the data just says that but that doesn't mean it's real'.... This is a guy that I would normally consider smart and with it. When it comes to these kinds of topics of societal degradation, he can't accept it. He is willfully ignorant to things being worse now for me than they were for him at my age."

Others explained how they attempted to explain to their Boomer parents how expensive homes currently are. Another shared, "Last Christmas, the sibs and I collectively managed to remember all the addresses we had lived in in our childhoods and Zillowed all of them to show our parents. All are still standing. All were built in the 70s. All are rural or suburban/small towns. Parents were astounded at what these 50+ year houses are going for today, especially compared to what they paid for them 30-40 years ago."

Millennials added their conversations with parents who got defensive. One wrote, "I legit just had this same conversation! They say 'complain when it’s 14% interest' excuse me, your house was 60k and dad was making 40, don’t piss on me and tell me it’s raining. That fancy 250k house is now like 600k…get a grip, average house is 438k."

Another shared, "My dad still gives me a hard time about renting, constantly tells me how I should invest in a house. I sat him down one day and opened up a mortgage calculator, showed him how with the current interest rates it just wasn't gonna happen- he seemed to get it. For a little bit anyways haha. I saw him last month and he told me again how rent is wasted money yadda yadda."

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How Millennials can have conducive home ownership talks with Boomer parents

Millennials can have healthy and productive conversations with their Boomer parents when discussions about buying a home become tense or uncomfortable, Aly Bullock, LMFT, a licensed marriage and family therapist with Paired, tells Upworthy.

Here are three things Millennials can say to their parents during these tough talks:

Phrase #1: "I understand that we have different views on this, and that's okay with me."

Bullock explains, "This acknowledges that you understand their POV and you are still willing to stick with your own opinion. It is a very gentle way of setting a boundary and letting them know you are comfortable having different opinions."

Phrase #2: "I would love to hear you out, and my request is that in return you respect my right to make a personal decision even if it does not align with what you've shared."

"Even when their kids are grown, parents still love the chance to influence their children," says Bullock. "This phrase lets your parents know that you would love to hear their opinion, you welcome it, AND reminds them gently that you are grown and they should offer you similar respect."

Phrase #3: "This conversation seems to keep causing tension between us, and I'd rather focus on something we have in common right now. Can we set it aside for a bit?"

According to Bullock, "This acknowledges the tension without placing blame. It gives the adult child an opportunity to stop the conversation before it deteriorates further, while emphasizing the positive pieces of the relationship."

Finally, she notes that it may take placing boundaries around these conversations. "Remember that you don't have to tell your parents everything. Some things are better left unsaid," says Bullock. "The truth is that parents change as they age and may or may not be able to cope well with generational differences or unmet expectations. Try to have compassion for them as you decide which things to keep to yourself in order to protect your own mental health."