What is the connection between kathryn and jamie?

The incorrect statement is letter "D": Saving can only be done in person. Investing can be done both in person and online.

Explanation:

There are several differences between saving and investing. Both of them have the potential to grow capital over a specific period. While saving is beneficial in the short run, investment is in the long run.  

Though, saving money implies depositing it in an account to make a profit out of the annual interest rate offered by banks. The money can be deposited in person, through wire transfers or online transfers between accounts. Investing is characterized by risking money through acquiring assets such as stocks, bonds, or mutual funds. That money can be provided by the investor in a meeting with the people in charge of managing the money or through online brokers.