Tax refund, where to spend it?

It seems to me that none of the younger generation are interested in saving money, much less planning on retirement. When I was young, my parents were always talking about buying a home and putting money back for a rainy day.
I have talked to my kids for years, they are all in their 20's now. I know neither of them have as much as 100 in savings and the 3 of them are renting. Nothing wrong with renting when you get started, but plan for the future.