For decades, the formula for a secure retirement was simple: save more. But new research from Goldman Sachs finds that for many younger workers, that approach is slipping out of reach. With rising costs eroding the ability to contribute extra, advisors are turning to more strategic tools to help clients build retirement wealth. The research, which surveyed 5,102 people in July, found that 42% of younger workers — spanning Generation Z, millennials and Generation X — say they're living paycheck to paychec ...