Comment by cal_dent

I think adjacent to this is an element of reduced risk taking from younger people because the stakes are much higher (or at least feel much higher). I've worked with so many smart and talented grads who have seemingly planned their lives/career to the nth degree, in a way that was certainly not that common in my broad circles when I was a similar age.

From conversations with them, it all stems from the view of you can't afford any mistakes/missteps if you want a relatively benign type of comfortable middle class life, in terms of things like housing in particular. If that'd your starting point, you're looking to ge a guaranteedish success at anything you're trying to do and that inherently puts a lid on how much you want to deviate or be creative from the norm. More so than ever, I think, people are more aware of optimising monetisation in all aspects of their lives, and that sort of results in more things being the same or only having minor deviation from what "works".