Some nine million Britons would take more of an interest in their personal finances if they were 20 again.
Bright Grey's latest Financial Safety Net report discovered over-35s would be keen to provide financial advice to their younger self if they had the chance.
Some 44 per cent would encourage themselves to start a saving scheme earlier, while 35 per cent would emphasise the importance of having a pension.
Just under one-third (30 per cent) of those questioned would advise paying down debt quickly, while 26 per cent would counsel against taking out credit cards.
Roger Edwards, managing director at Bright Grey, stated: "Clearly we all live and learn and it is encouraging to see that many people see the importance of taking an interest in their financial situation."
He went on to note today's 20-somethings have to realise the importance of putting provisions in place, as they do not know what the future holds and so they do not want to be left in a perilous situation.