I feel the same way. Im 1 phase removed, but have been very lucky in dodging them too.

01 i was in high school, 08 i was in college with minimal expenses. I was paying $975 per quarter for room and board including 9 prepare meals a week and had enough school ships that my quarterly tuition was also under $1000, coupled with an engineering coop 1/2 the year, i came out financially ahead.

Covid i was a salaried essential worker who had to work 3 days a week but still got paid full salary. That made the lack of available child care bearable. I also had a house that i purchased with 3.25% mortgage.

This next one im feeling already. I moved for my wifes job this year, so that new mortgage rate sucks