CHICAGO, June 7, 2012 /PRNewswire/ -- If America's retirees were in younger people's shoes, it's clear that they would put a priority on saving more and saving early for retirement. In a recent survey conducted by Bankers Life and Casualty Company Center for a Secure Retirement(SM) (CSR), 300 retirees between ages 55 to 75 with an annual household income between $25,000 and $75,000, were asked a variety of open-ended questions about what they have learned over the past several years and what real-world advice they would give to today's younger generation. One of these questions was what they considered the most important piece of advice about life that they would give to young people. Thirty-nine percent said saving for the future was the most important -- followed distantly by being happy and living life to the fullest. Other responses included planning ahead for retirement, finding something to do for work that they enjoy, being responsible for their own life and expanding their education. When asked about the biggest piece of financial advice that they would want to pass along to others, 93 percent said it was important to start saving early. Retirees also urge younger Americans to contribute to retirement plans available at work (84 percent), do more planning (61 percent), invest conservatively (39 percent) and get professional advice (37 percent). One third (30 percent) suggest living frugally and one in five (22 percent) recommend that they work as long as they can. Retirees also stressed that there is still a great deal for them to learn. When asked what retirement topics they wish they knew more about, "making your money last" ranked at the top of the list. One in four (25 percent) are looking for information on investments and for guidance on how to maximize returns on retirement savings. "Making the most from savings with the least risk" and "investments for the long term" were common trends voiced by middle-income retirees.