By Ali Lyon The last 25 years have been kind to people like Dr Phil White. The multimillionaire, who retired in 2017 having sold his stake in a technical consultancy business, has benefited from a host of economic tailwinds. His generation didn’t pay for university. Many got onto the housing ladder with comparative ease. Then, they benefitted from the growth of the housing market, which Office for National Statistics figures show has nearly doubled since 1990. And in the 2010s, as wages flatlined, the value of their pensions and investments surged as global stocks more than doubled. All of the…