Lloyds TSB has found that women are saving less than men.
The bank's savings study, the gender savings gap starts early with the average 11 to 15-year-old boy having £500 more saved than the average girl.
This trend continues throughout life, with men on average possessing savings worth £2,000 more than women when they retire.
In the over-65s category women have an average savings balance of £4,889 while men have more than £7,250 put away.
The report also found that savings made by children are quickly eaten into when they approach adulthood.
Whereas the average 11 to 15-year-old has £1,026 tucked away, this drops sharply in the 16 to 20 age range to £594 for boys and £467 for girls.
Lloyds TSB Scotland customer director Lisa Stephenson commented: "From a really strong start as children, it seems that when girls get older their love of saving slows down.
"Possibly as their attentions turn to typical teenage interests of clothes and make-up, their ability to save is affected."
However, once children enter the world of work saving levels recover, with the 21 to 34 age group increasing its savings by a quarter from their 16 to 20 levels.To make the most out of your savings and switch to a higher paying account, click here.
© DeHavilland Information Services plc