The new study revealed that over-35s would be keen to provide financial advice to give their younger self - from saving earlier to dealing with debt.
Nearly half (44%) wished that they had started saving earlier.
Nearly a third (30%) said they would be sure to pay off debts quickly while slightly less (26%) would not get a credit card.
Roger Edwards, managing director at Bright Grey, said: "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 and would have started it at an earlier age if they could have their time again.
“It's important for today's 20-somethings to believe in themselves, but we do not know what the future holds and it is vital to think about putting financial provisions in place."
