For as much flack as Millennials get, there are a lot of economic reasons that the complaints some of them have are justified. According to 2014 data from the Census Bureau, median earnings for young adults who were working full-time were only about $34,000 for Millennials. That’s less than what their parents would’ve made in the 1980s, after adjusting for inflation. And that’s for Millennials who have found full-time work. According to Census data, only 65 percent of Millennials were employed as of 2014, compared to about 70 percent in the three decades prior. Those figures may help explain why nearly 20 percent of Millennials have wound up living in poverty—that’s more than five percentage points higher than the poverty rate of young adults in 1980—despite being the most educated cohort of young people in history.

Still, it’s not all about the economy. One of the main reasons that Millennials are staying at home is because they are delaying marriage until later in life, Pew researchers found. That makes sense, since two incomes can certainly make it easier to afford rapidly climbing rent prices, student-loan payments, and the host of other financial responsibilities that come with leaving the nest. But that choice, too, is divided among racial and economic lines: Richer Americans are more likely to get married than poorer ones, and white Americans are more likely be married than minorities. These again increase the chances that poorer and minority Millennials will live at home in higher numbers, and for longer.