Resources ‹ Personal Finance s s Personal Finance Make the most of your personal finances by optimizing your assets and liabilities. Popular Personal Finance Questions Select a popular question Should I invest or payoff debt? How does Betterment keep my money safe? How much should I save in my Safety Net goal? Personal Finance Topics Featured Goals and Advice Recent Posts Goals and Advice Financial Changes That Will Impact You in 2016 This year, expect debt to cost more, more expensive health insurance, and a new rule that will help to ensure all investors receive unconflicted financial advice. Read More Goals and Advice A Live Q&A with Betterment’s Director of Investing On Friday, Jan. 22, Betterment held a live educational question and answer session with our very own Director of Behavioral Finance and Investing, Dan Egan. Here’s the recap. Read More Goals and Advice Why Marshmallows May Hold the Secret to Investing The 1960s Marshmallow Experiment challenged the concept of instant gratification—and revealed a lot about how people approach saving versus spending. Read More Goals and Advice How We’re Meeting Our New Year’s Goals: Better Habits In 2016, we’re creating real habits to achieve personal life goals. Read More Goals and Advice How to Get the Most Impact Out of Your Charitable Donations This holiday season, use Betterment and Agora to make sure your money is having as much impact as it could. Read More Goals and Advice The Rehumanizing Impact of Robo-Advice Automated advice gives people more time to live their lives. Read More Goals and Advice Robo-Advisors Aren’t Just for Millennials Regardless of age group, everyone deserves to benefit from smarter technology, especially when it comes to something as important as investing for the future. Read More Goals and Advice How to Invest $10 Million with a Robo-Advisor While everyone seems to know how to get started with Betterment, some might wonder, how are the wealthiest customers using a robo-advisor? Read More Goals and Advice The Future of Financial Advice The comfort of pensions once provided by blue-chip companies may be replaced by the promise of smarter technology. Read More Goals and Advice How to Save for Your First Down Payment Saving for a first down payment and building home equity can be a way to build wealth over time. Here’s what you need to know about saving before you buy. Read More Goals and Advice Buying a Second Home? 4 Tax Considerations Buying a vacation property is a great investment goal if you know how to maximize the income and tax deductions. Read More Personal Finance How I Paid Off My $90,000 MBA in Less Than 2 Years If you get in the habit of putting every extra dollar saved toward your loans, you can pay off your loans sooner than you think. Read More Personal Finance 4 Tips for Paying Off Your Student Loans Early The sooner your pay off your loans, the sooner you can start building your future savings. Here’s how to get ahead of the game. Read More Personal Finance After Law School: Balancing Student Loans with Retirement Saving Follow the story of a recent law school graduate and how he’s making it work. This article is part of a collection of stories about balancing student loan repayments and prioritizing other … Read More Personal Finance The Year Ahead: 5 Trends That Could Impact Your Finances In 2015, individuals will need to be proactive to make the smartest financial planning moves—new technology can help, especially with higher taxes. Read More Load More Articles What Betterment Offers Retirement Solutions at Betterment We provide solutions for every stage of retirement planning. Betterment IRAs Rolling over to a Betterment IRA involves almost no paperwork and allows customers to be invested in as little as two days.