and I just can seem to get them to understand why it is so important.
A lack of imagination perhaps - or an inability to break the conditioning.
I think that most people in the younger generations are going to struggle, unless they get the inheritance from their parents and grandparents.
The one is into crypto and I think they are putting more of their money into that than anything. I can't really argue with that. The other ones, they feel more secure having their money in savings so it is easily accessible. The problem is they are missing out on the compounding and larger interest gains.
They will likely regret it in the future. As you know, compounding effects are huge.