The problem with millennial low income is a resultant of a perception trap; Instagram worthy life, ‘Eat Pray Love’ mindset, work life balance and retire early as if work is jail and not something productive.
There will be no post capitalist utopia, and free lunches (apart from a privileged few), head back to good old working hard, living frugal and saving for a retirement. Life is not about party and travel. Very few actually end up doing what they are good at. All this passion BS is poison. Get good at something that pays, and relearn all the time.