It's time once again for economics editor Chris Farrell to help you sort out what's smart, what's stupid and what's the Straight Story. This week, report after report points to gloomy financial prospects for retirees. But Chris sees blue skies, for those willing to work a bit longer.

Coming soon to your benefit package, an automatic enrollment in a worker retirement account. John Dimsdale reports.

Marketplace's Kai Ryssdal talks with Charles Schwab about his start in the brokerage industry, how the business has changed, and teaching kids the basics of investing.

Our economics editor Chris Farrell answers more of your burning money questions. This week: advice on creating a personalized retirement account, gifting stocks and bonds, and improving a credit score.