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Conventional wisdom often tells Americans that building savings is the key to building wealth. However, due to factors such as income volatility, increasing debt and unexpected expenses, Americans are cutting back on short-term savings and even dipping into their retirement accounts to address their financial challenges. Before building wealth, people need to achieve a baseline level of short-term savings. A panel of innovators tackling the emergency savings challenge through a variety of engagement models and non-traditional channels will discuss what it will take from the fintech ecosystem for everyday Americans to move beyond short-term financial security to long-term wealth.