The article sounds weird because it's the Financial Post and they're desperately trying to ignore the elephant in the room: that we stole the future from the young to pay for tax cuts for the old and rich in the now.

They can't say it. They can't say "Millenials and younger have pretty much given up on the possibility of retiring, what with inflation, education costs and housing unaffordability having killed their ability to build equity. Defined-benefit pensions are long-gone, and even defined-contribution ones are vanishing in favour of stock schemes designed to enrich today's investors. They aren't planning to retirement because they don't see much of a future".

You're goddamn right the article undersells the affordability issue, because the fucking Financial Post is owned and run by the people that caused the problem in the first place, and continue to profit off it to this day.