The average American hits peak financial recklessness at 22 years old, a new study revealed. The survey of 2,000 Americans examined financial wake-up calls and found two in three (68%) respondents confessed to not paying nearly enough attention to their finances when they were younger. The average respondent had to turn 25 before realizing it was time to "grow up" when it came to handling their money. One in two (50%) admitted to feeling guilty about spending with abandon but said they just couldn't stop themselves. The survey commissioned by Grain and conducted by OnePoll found 44% had what they considered to be "bad credit" at some point in their lives.