I think most Americans, even those people who are familiar with the stock market, find investing very confusing. The stock market is up 500 points one day, and it's down 500 points, selling the same stocks they were buying the day before. That's why many Americans are living paycheck to paycheck. They just don't have their financial house in order. To talk about that today are two people on the bleeding edge of innovation: Saket Kumar and Mark Rhodes. They are with hScore, a revolutionary company that is democratizing how we invest.