Reversed Strength speaks of a tendency not to make thoughtful decisions. It can be seen as a lack of consideration for the consequences of one's actions and of evaluating situations objectively. In this case it could be thought that you do not consider the importance of long-term financial management and are not taking your father's advice seriously.
The Knight of Wands is a sign of passion and energy ready to take on any challenge. When he's straight, he indicates that you have the motivation to make a positive change in your financial life. While it may be tempting to ignore your father's advice, you may feel that you have the inner strength to deal with the difficulties you may have in saving for retirement and deal with any challenges that may arise.
The Ten of Swords reversed indicates that you may be resistant to change and reluctant to act on what you know is right. You may also be blocked by negative feelings or worries about the effort it takes to save for retirement and fail to see the long-term benefits of saving. In this case, you may need to take a step back to take a closer look at your emotions and thoughts about long-term financial management before you can proceed with your savings plan.
The three cards suggest that while you are tempted to ignore your father's advice, you also have the motivation and energy to take positive action in your financial life. On the other hand, you may be resistant to change and blocked by worries or negative emotional states related to long-term financial management. At this point, I recommend that you take the time to think about how you view financial management over the long term and how you would feel about saving for retirement before deciding how to proceed. Once you do that, you'll be able to confidently take one step closer to your retirement savings goal.