Finance is full of gimmicks but none of them will help America's savings crisis — here's what will

There's a savings and retirement crisis in the US, but many of the apps and companies that have popped up to address the problems Americans face fall short. Folks should avoid the fintech gimmicks and embrace engaged investing to build up the necessary nest egg for their future.  The financial future of the average American looks vastly different than it did a generation or two ago. Instead of holding long-term jobs that offer pensions, people today are more likely to have several...