This research caught my eye particularly because my son, fresh home from his second year at uni and a few days into a summer placement, is staggered that he is required to be at work from 8am to 5pm with only a half hour break for lunch.

Don't get me wrong, my son is thoroughly enjoying the work and is also used to quite a demanding university schedule with around 30 contact hours a week. However, his shock is more do with the lack of 'downtime or personal time' during his (working) day - something which many of his generation are now used to and will need to adjust to as part of entering the world of work.

Adjusting to the workplace is much more than just adjusting to a different schedule or indeed sleep pattern. Many of those entering the workplace won't have heard of pensions or understand benefits or tax. 

Yesterday, I visited a prominent FTSE 100 financial services business. They have many graduate employees and a high proportion of younger staff - the average age is 29. Despite their sector, they recognise that their staff are not very financially aware and having spent recent years concentrating on growing their business, they now want to focus on investing in their people and are looking at introducing financial education as part of an overall wellbeing strategy.

Younger workers need targeted support in adjusting to the differences of the world of work; in terms of schedule, sleep pattern and finances. They will naturally adapt pretty quickly to the change in pattern and environment, but without focused guidance from the outset, many will not start good financial habits and this may be to their detriment throughout the whole of their careers and is a real missed opportunity for employers.