> For some reason, our generation (GEN Y / Millennials) don't seem to care much for...
I see a version of this statement all the time from us old people, sometimes it ends with "purchasing homes" or "full time long term careers at one company" say, or "retirement saving" as in your example.
I'm starting to suspect the reason just might be that the new generation doesn't actually have any fucking money or stable jobs. Just a theory.