With age comes wisdom, unless you're a millennial. In that case, you may already be pretty wise, at least when it comes to money management.

According to a new survey by Bankrate, 39 percent of millennials have decided to save or invest this year's tax refund — the most of any age group.

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"We found that millennials are the age group most likely to save or invest their tax refund, with 39 percent saying that's how they plan to use their refund this year," said Sarah Berger of Bankrate.com. "In comparison, 23 percent of Gen Xers plan to save or invest their refund, as do 33 percent of baby boomers."

The study additionally found that of all those consulted (1,001 adults in the U.S.), only 6 percent plan to "splurge" with their refund. That may sound like a staggeringly low percentage, but for Berger it's hardly surprising.

"For many people, this might be the biggest windfall they get all year, so it's the perfect opportunity for them to build a savings cushion that they know is important, but maybe haven't prioritized."

No more messing with me, economy

It's also not surprising that millennials are leading the savings way, so to speak. The age group, generally considered to comprise those born after 1980 or 1982 (there's some debate about this), is famously frugal. Having been in college or relatively new in the workforce when the Great Recession hit, millennials had an alarming wake-up call about the importance of savings at a fairly young age.

"I'd rather save for a rainy day because after graduating in '06 and having a year or two before the economic collapse, I have had most of my adulthood be a rollercoaster ride dependent on the markets," said 32-year-old Kate Talbot. "Now that I am on the older spectrum of a millennial and making decent money, I'd rather be able to have funds if anything happens again to the economy."

Not becoming our parents

Plus, nobody wants to end up stuck with the undesirable money matters that may have plagued their parents.