Older generations like to complain about all the things the Millennial generation has “killed,” from casual dining chains to starter homes. “The olds” gripe that the unconventional preferences of Millennials — the biggest generation in U.S. history — have decimated whole segments of the economy. Apparently, they’re also killing entrepreneurialism.

The Small Business Administration reports that Millennials are far less likely to start businesses than previous generations. Just 4% of 30-year-old Millennials say that they’re self-employed as their primary job, compared with 5.4% of the GenXers and 6.7% of the Baby Boomers when they were the same age, according to government data.

Yet surveys indicate that no generation pines for self-employment quite as universally as Millennials. Somewhere between 60% and 75% of millennials (depending on the day and the wording of the survey) say they want to work for themselves someday.

So what’s holding them back? The answers are myriad. The generation came of age in the shadow of the Great Recession, which has made them cautious and well aware of how easily businesses can fail. Many are buried in college debt. Some also say that their parents encouraged them to first become financially independent to protect themselves from employers and banks that burned the less-prepared Baby Boom generation.

There also is an argument that says the data is simply flawed. Millennials may be as entrepreneurial – or even more entrepreneurial – as past generations, but are unable to reflect that when responding to questions that are framed to favor traditional work.

Indeed, responding to criticism about the outdated wording in employment surveys, the Bureau of Labor Statistics recently revisited its data. The conclusion: the government may have missed millions of people who work for themselves at least part-time because it doesn’t know how to define, describe, or measure the so-called “gig,” or freelance, economy. The undercount is particularly acute among young workers and women, according to the report.

Yet where the freelance economy remains an enigma to government statisticians, it is a regular part of life for the Millennial generation. In fact, many of the same forces that have discouraged Millennials from launching full-time businesses have turned them into a generation of moonlighters. More than half of all Millennials have a side gig, according to a survey by BankRate.com.

Millennials say side hustles provide a way to work for themselves without taking unnecessary chances. Perhaps, it’s the technology – not their generation—that’s different, they add. After all, when you can access a wealth of independent contracting jobs with just a click, why would you ditch the day job without trying some of them out?

“In this technological age, it’s so much easier to test a business than it was 20 years ago,” says Cody Berman, 22. “Before you give up your comfortable W-2 paycheck, you can make sure that there is a viable market and that your business is profitable.”

Berman has a full time job at a bank. But he also actively pursues three different side hustles – a blog, a podcast and a disc golf manufacturing company, called Arsenal Discs. He laughs when asked about his estimated 100-hour work week.

“I’m 22 and don’t have kids, so I am hustling my butt off,” he says. “I’m hoping that within two years, my side hustles will replace the income I earn from the day job.”

Faneisha “Fo” Alexander, 30, is a mechanical engineer by day, a self-published author, financial coach and technical consultant at night. Admittedly, her side hustles only bring in about 5 percent of her annual income at this point. But she is hopeful that they’re now on a trajectory to grow into her main revenue source within five years.

“I believe the traditional career path went out the window when a large majority of Millennials were educated, but unable to find work during the recession,” she says. “Necessity will breed creativity, and millennials became creative in generating income.”

Having multiple sources of income – ideally, some (like her book royalties) that will continue to generate revenue without the investment of additional hours – is key to making her feel financially secure, Alexander adds. Of course, Alexander said she needed a lot of revenue sources when she started out to pay off her debt. She had $78,000 in student loans when she left college.

Javier Gutierrez, 26, said he couldn’t even contemplate turning his side hustle – content creation and search engine optimization – into a full-time gig until he and his wife paid off $34,000 in debt. Now, the former school teacher finds “gigs” on Upwork and through networking with other side hustlers. He also writes a blog for immigrants called DreamerMoney and writes content for others.

He did recently quit his day job, he adds. But not without a safety-net. His wife works full time and has access to employee benefits, such as health insurance.

“I would not have broken off to work for myself if I didn’t have a working spouse with steady income and health insurance,” Gutierrez says.

Like many of her peers, Paula Perhach, 36, has a hard time telling you exactly what she does for a living. She’s a writer, writing coach, baby sitter, photographer – “anything side hustle.”

“I’ve always had multiple side hustles – property management, moon bounce delivery, swim practice taxi, freelance photographer, scooter charger,” adds Drew Nevins, a 28-year-old blogger better known as GuyOnFire. Nevins has a full-time job in commercial real estate too. “I’ve always been a fan of people building a business a side hustle until it has enough momentum to support them full-time.”