And then you have the same people complaining about low birth rates...

Does living independently before you get married make you more or less likely to have kids? That would be an interesting statistic.

This is now happening.

This assumes, among other things, that they come from a stable home that has space for them and access to the things they need to create and maintain an income stream.

If you look at the home ownership rates of that generation it would be a fair assumption

For the entire population, sure. For a subpopulation that doesn't have a stable income, not necessarily, particularly given class mobility statistics.

We need to change money flows and redistribute wealth so people can have a hope of saving some money, because they actually can make more money than they absolutely need.