A new survey by financial services giant Fidelity Investments reveals that Generations X and Y, which will make up 60 percent of the workforce by 2010, are often conflicted in their intentions and actions when it comes to money.

Almost 80 percent of respondents said money worries kept them up at night, but the vast majority of them also said that work/life balance was more important to them than the bottom line when it came to choosing a career.

Most respondents said they thought they often made poor financial decisions, but nearly 20 percent also said they did not seek any advice or help with money management. Almost half said they did not consult with anyone about their retirement assets when changing careers.

Most young workers said they wanted to save for retirement, but more immediate needs like repaying student loans, saving for a home and managing credit card debt often precluded it.

Surprisingly, despite being referred to as the first truly “online” generations, almost 90 percent of respondents said they enjoyed banking online but wanted to also have a brick and mortar bank branch nearby.

“Debt prevents saving in older generations as well, but it’s especially a challenge for Gen X and Y,” said Pamela Norley, executive vice president, Fidelity Consulting Group. “Our research revealed that younger generations are more likely to use credit than save for short-term purchases, which results in an ongoing struggle with debt management. These generations communicate and learn so differently than previous investors that we had to look at a completely different approach to understand their mindset and behavior.”