When you were in high school, did you ever forget the combination to your locker?  Well, that’s kinda what this first story is about – except that the consequences are much more serious:  The New York Times says people who own the digital currency Bitcoin have either forgotten, or lost, the passwords to $140 billion worth of the crypto-currency!  I think about stories like this whenever I see someone using one of those robo-advisors to manage their money.  Do those people have any way of getting that money back?