<human>: Can you provide a brief rundown of the text in within 3 sentences?

I'm almost 21 and going into my third year of university education. I don't really save right now because I'm just financially "comfortable" meaning I'm going to school on a full scholarship, my parents help pay for my basic necessities, and I work about 20 hours/week during the school year for spending money. I'm saving nothing because I hardly have anything to save, but mainly because, well, I'm 20 and like to blow money. 

Anyways, my parents have recently been throwing things at me like "we need to get you a Roth IRA" and "I think you should take out a term life insurance policy." My dad always says "I wish my parents had given me this advice when I was your age, I'd be so much more financially secure right now."

He says that, but really doesn't give me much advice other than suggesting I look into these things. Which brings me here. What should I do? Where should I be saving money? HOW should I be saving money? If I am putting money into something that I can't access right away and that I know may turn into a goldmine in my future (near or far), I am way more likely to save.
<bot>: I'm 20, don't save any money, but really should. For my future. What do I need to do?