{"id":59244,"date":"2025-03-15T07:37:34","date_gmt":"2025-03-15T11:37:34","guid":{"rendered":"https:\/\/www.iwillteachyoutoberich.com\/?p=59244"},"modified":"2025-04-09T17:13:49","modified_gmt":"2025-04-09T21:13:49","slug":"roboadvisors","status":"publish","type":"post","link":"https:\/\/www.iwillteachyoutoberich.com\/roboadvisors\/","title":{"rendered":"Robo-Advisors: Should You Use One? Pros &#038; Cons (+ tips)"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"59244\" class=\"elementor elementor-59244\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-65391b26 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"65391b26\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ab32d83\" data-id=\"ab32d83\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8d7e158 elementor-widget elementor-widget-text-editor\" data-id=\"8d7e158\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You may have heard about \u201crobo-advisors\u201d like <a href=\"https:\/\/www.betterment.com\" target=\"_blank\" rel=\"noopener\">Betterment<\/a> and <a href=\"https:\/\/www.wealthfront.com\" target=\"_blank\" rel=\"noopener\">Wealthfront<\/a>. Robo-advisors are investment firms that use computer algorithms to invest your money (\u201crobo\u201d refers to a computer investing for you versus an expensive adviser).<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>You&#8217;re probably wondering if they are a good investment and if you should use one. As a NYT best-selling author on personal finance, let me break it down for you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c8474c8 elementor-widget elementor-widget-text-editor\" data-id=\"5c8474c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><!-- wp:paragraph --><\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>NOTE: If you&#8217;re looking for more information on investing, I recommend checking out these other articles I wrote:<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:list --><\/p>\n<ul>\n<li><a href=\"https:\/\/iwillteachyoutoberich.com\/roth-ira-vs-traditional-ira\/\" target=\"_blank\" rel=\"noreferrer noopener\">Roth IRAs vs Traditional IRAs<\/a><\/li>\n<li><a href=\"https:\/\/iwillteachyoutoberich.com\/online-investing\/\" target=\"_blank\" rel=\"noreferrer noopener\">Ultimate Guide To Online Investing<\/a><\/li>\n<li><a href=\"https:\/\/iwillteachyoutoberich.com\/which-is-the-better-robo-advisor\/\" target=\"_blank\" rel=\"noreferrer noopener\">Wealthfront vs Betterment: Which Roboadvisor is better?<\/a><\/li>\n<\/ul>\n<p><!-- \/wp:list --><!-- wp:paragraph --><\/p>\n<p>OR, make it easy on yourself, and just enter your email to get my Ultimate Guide To Personal Finance below.<\/p>\n<p><!-- \/wp:shortcode --><!-- wp:heading --><\/p>\n<h2 id=\"h-why-robo-advisors-became-popular\">Why Robo-Advisors Became Popular<\/h2>\n<p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e372230 elementor-widget elementor-widget-image\" data-id=\"e372230\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/elementor\/thumbs\/rendy-novantino-SyXYjpizHzU-unsplash-qq8q7j5915tnu13ixynamy360rel28t0m6lnz3r8p8.jpg\" title=\"rendy-novantino-SyXYjpizHzU-unsplash\" alt=\"robo-advisor\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c225a26 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"c225a26\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2f5c952\" data-id=\"2f5c952\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1d9ac59 elementor-widget elementor-widget-text-editor\" data-id=\"1d9ac59\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"background-color: #f5eee4; color: #000000;\">Robo-advisors took the elite financial planning services offered to clients of financial advisers and full-service investment firms like Fidelity and made them accessible to the average person.<\/p>\n<p style=\"background-color: #f5eee4; color: #000000;\">You know how Uber made private cars more accessible and convenient than taxis? That\u2019s sort of what robo-advisors have done to the investment industry.<\/p>\n<p style=\"background-color: #f5eee4; color: #000000;\">Robo-advisors implemented new technology to offer investment recommendations for low fees. They improved the user interface so you can sign up online, answer a few questions, and know exactly where to invest your money in a few minutes.<\/p>\n<p style=\"background-color: #f5eee4; color: #000000;\">And they personalized the experience so you can add in your goals\u2014like when you want to buy a home\u2014and automatically allocate money aside for it.<\/p>\n<h2 id=\"h-are-robo-advisors-a-good-investment\" style=\"background-color: #f5eee4; letter-spacing: normal;\">Are Robo-Advisors a Good Investment?<\/h2>\n<p style=\"background-color: #f5eee4; color: #000000;\">I have a strong opinion on robo-advisors:<\/p>\n<p style=\"background-color: #f5eee4; color: #000000;\">While they are good options, I don\u2019t think they are worth the costs, and I believe there are better options.<\/p>\n<p style=\"background-color: #f5eee4; color: #000000;\">As an example, I specifically chose\u00a0<a href=\"https:\/\/investor.vanguard.com\/home\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Vanguard<\/a>\u00a0and have stuck with them for many years.<\/p>\n<p style=\"background-color: #f5eee4; color: #000000;\">Let me explain the pros and cons of robo-advisors so you can make your own decision.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6bdcd82 elementor-widget elementor-widget-text-editor\" data-id=\"6bdcd82\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 id=\"h-pros-cons-of-robo-advisors\">Pros &amp; Cons Of Robo-Advisors<\/h2>\n<p><!-- \/wp:heading --><\/p>\n<h3 id=\"h-pros-to-using-a-robo-advisor\">Pros To Using A Robo-Advisor<\/h3>\n<p>In the last few years, robo-advisors have become increasingly popular for three reasons:<\/p>\n<p>\u25a0 <strong>Ease of use.<\/strong> They have beautiful interfaces on the web and on your phone. They offer low minimums and make it easy to transfer your money over and get started investing.<\/p>\n<p>\u25a0 <strong>Low fees.<\/strong> In general, their fees started off lower than those of full-featured investment firms like Fidelity and Schwab. (Those firms quickly realized their competition and lowered their fees accordingly, while the fees at low-cost firms like Vanguard have always been low.)<\/p>\n<p>\u25a0 <strong>Marketing claims.<\/strong> Robo-advisors make lots of marketing claims. Some are true, such as their ease of use. Some are disingenuous, bordering on absurd, like their focus on \u201ctax-loss harvesting.\u201d<\/p>\n<p>As you\u2019ve probably realized if you&#8217;ve read any of my <a href=\"https:\/\/iwillteachyoutoberich.com\/\" target=\"_blank\" rel=\"noopener\">other blog content<\/a> on personal finance, I\u2019m a huge proponent of anything that expands the use of low-cost investing to ordinary people.<\/p>\n<p>Long-term investing is a critical part of living a Rich Life, so if companies can strip away complexity and make it easier to get started\u2014even charging a generally low fee\u2014I\u2019m a fan.<\/p>\n<p>These robo-advisors have added phenomenal features that are genuinely helpful, including planning for medium-term goals like buying a house and long-term goals like retirement.<\/p>\n<p>What\u2019s more, you can often tell how good something is by who hates it.<\/p>\n<p>For example, Bank of America hates me because I publicly call them on their bullshit. Good! In the case of robo-advisors, commission-based financial advisers generally hate them because they use technology to achieve what many advisers were doing\u2014but cheaper.<\/p>\n<p>Advisers\u2019 logic on this is not especially compelling. Financial advisers essentially say that everyone is different and they need individual help, not one-size-fits-all advice (untrue\u2014 when it comes to their finances, most people are mostly the same).<\/p>\n<p>Robo-advisors have responded by adding financial advisers you can talk to over the phone. Traditional financial advisers say their advice provides value beyond the mere returns. (My response: Fine, then charge by the hour, not as a percentage of assets under management.)<\/p>\n<p>Robo-advisors emerged to serve an audience that was previously ignored:<\/p>\n<p>Young people who are digitally savvy, upwardly affluent, and don\u2019t want to sit in a stuffy office getting lectured by a random financial adviser.<\/p>\n<p>Think of an employee at Google who doesn\u2019t know what to do with their money, which is just sitting in a checking account. Robo-advisors have done a good job of appealing to that audience.<\/p>\n<p>But the real issue here is \u201cAre they worth it?\u201d<\/p>\n<p>My answer is no\u2014their fees don\u2019t justify what they offer. The most popular robo-advisors have superb user interfaces, but I\u2019m not willing to pay for that. Since they opened, many robo-advisors have dropped their fees, sometimes even lower than Vanguard.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b15e806 elementor-widget elementor-widget-heading\" data-id=\"b15e806\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-xl\">The world wants you to be vanilla...<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-00d1ba0 elementor-widget elementor-widget-text-editor\" data-id=\"00d1ba0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u2026but you don\u2019t have to take the same path as everyone else. How would it look if you designed a Rich Life on your own terms? Take our quiz and find out: <!-- notionvc: a8eed258-515c-4418-9e67-a4db6ceca327 --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08d713c elementor-widget elementor-widget-button\" data-id=\"08d713c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.iwillteachyoutoberich.com\/rich-life-quiz\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Take the Quiz<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e761972 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"e761972\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-349692c\" data-id=\"349692c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-eddade0 elementor-widget elementor-widget-text-editor\" data-id=\"eddade0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 id=\"h-pros-to-using-a-robo-advisor\">The Problem With Robo-Advisors<\/h3>\n<p>But there are two problems with that: In order to run a sustainable business on fees lower than 0.4 percent, they have to offer new, more expensive features and manage massive amounts of money\u2014we\u2019re talking trillions of dollars.<\/p>\n<p>As an example, Vanguard currently manages nine times more than Betterment and ten times more assets than Wealthfront. That sheer, massive scale is a huge competitive advantage to Vanguard, which built itself over decades to sustain on tiny fraction-of-a-percentage fees.<\/p>\n<p>New robo-advisors can\u2019t sustain on those low fees unless they grow their business rapidly, which is unlikely. Instead, they\u2019ve raised money from venture capital investors, who want rapid growth.<\/p>\n<p>In order to attract more customers, robo-advisors have begun using marketing gimmicks like highlighting a minuscule part of investing, \u201ctax-loss harvesting\u201d\u2014which is basically selling an investment that\u2019s down to offset tax gains\u2014that they blew up into a seemingly critically important part of an account.<\/p>\n<h3 id=\"h-why-tax-loss-harvesting-isn-t-that-important\">Why Tax Loss Harvesting Isn&#8217;t That Important<\/h3>\n<p>This would be like a car manufacturer spending millions of dollars marketing a triple coat of paint as one of the most important parts of buying a car. Sure, tax-loss harvesting might save you a little money over the long term . . . but not a lot.<\/p>\n<p>And in many cases, it\u2019s unnecessary. It\u2019s a \u201cnice to have\u201d feature, but hardly something on which you should base the important decision of choosing what firm to invest your money with.<\/p>\n<p>Some robo-advisors have also begun offering products with higher fees, as the <em>Wall Street Journal<\/em> reported in 2018.<\/p>\n<p><em>Wealthfront added a higher-cost fund of its own. The offering uses derivatives to replicate a popular hedge fund strategy known as \u201crisk-parity.\u201d<\/em><\/p>\n<p><em>Some clients\u2014joined by consumer advocates and rivals\u2014quickly took to online forums to criticize the fund\u2019s costs and complexity. They also took Wealthfront to task for automatically enrolling certain customers in the fund.<\/em><\/p>\n<p><em>\u201cI just looked at my account &amp; it\u2019s true. There was money moved into your \u2018Risk Parity\u2019 fund without my consent,\u201d Wealthfront customer Cheryl Ferraro, 57 years old, of San Juan Capistrano, California, recently posted on Twitter.<\/em><\/p>\n<p><em>\u201cI had to go into my account and tell them I wanted my money moved out of that fund. It shook my confidence in them for sure,\u201d Ms. Ferraro said in an interview.<\/em><\/p>\n<p>This is the predictable outcome when a low-cost provider raises venture capital and needs to grow rapidly. It either finds more customers or finds a way to make more money from each customer.<\/p>\n<h3 id=\"h-the-bottom-line\">The Bottom Line<\/h3>\n<p>I believe Vanguard has the edge, and I invest through them.<\/p>\n<p>But realize this: By the time you\u2019ve narrowed down your investing decision to a low-cost provider like Vanguard or a robo-advisor, you\u2019ve already made the most important choice of all: to start growing your money in long-term, low-cost investments.<\/p>\n<p>Whether you choose a robo-advisor or <a href=\"https:\/\/investor.vanguard.com\/home\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Vanguard<\/a> or another low-fee brokerage is a minor detail. Pick one and move on.<\/p>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:heading {\"level\":3} --><!-- \/wp:heading --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:shortcode --><!-- \/wp:shortcode --><!-- wp:heading {\"level\":3} --><!-- \/wp:heading --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:heading {\"level\":3} --><!-- \/wp:heading --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:shortcode --><!-- \/wp:shortcode --><!-- wp:image {\"id\":45519,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} --><\/p>\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" class=\"wp-image-45519\" src=\"https:\/\/iwillteachyoutoberich.com\/wp-content\/uploads\/image-12-1024x693.png\" alt=\"\" \/>\n<figcaption>Pick one and move on!<\/figcaption>\n<\/figure>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-06a8f88 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"06a8f88\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1178ac3\" data-id=\"1178ac3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0165864 elementor-widget elementor-widget-qi_addons_for_elementor_blockquote\" data-id=\"0165864\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"qodef-shortcode qodef-m qodef-qi-blockquote qodef-layout--top qodef--\">\n\t\t\t\t<h4 class=\"qodef-m-text\">\n\t\t\tIf you liked this post, you\u2019d LOVE my Ultimate Guide to Personal Finance\n\t\t<\/h4>\n\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fac47b8 elementor-widget elementor-widget-text-editor\" data-id=\"fac47b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It\u2019s one of the best things I&#8217;ve published, and totally free \u2013 just tell me where to send it:<!-- notionvc: 90a3fe1f-044c-409c-82dc-f9d7b7255e2e --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2622dfe elementor-widget elementor-widget-qi_addons_for_elementor_wp_forms\" data-id=\"2622dfe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_wp_forms.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"qodef-shortcode qodef-m qodef-qi-wp-forms\">\n\t<div class=\"wpforms-container wpforms-container-full\" id=\"wpforms-53563\"><form id=\"wpforms-form-53563\" class=\"wpforms-validate wpforms-form\" data-formid=\"53563\" method=\"post\" enctype=\"multipart\/form-data\" action=\"\/wp-json\/wp\/v2\/posts\/59244\" data-token=\"616c9873956056bb406a67057db9d712\" data-token-time=\"1779992350\"><noscript class=\"wpforms-error-noscript\">Please enable JavaScript in your browser to complete this form.<\/noscript><div class=\"wpforms-field-container\"><div id=\"wpforms-53563-field_18-container\" class=\"wpforms-field wpforms-field-hidden\" data-field-type=\"hidden\" data-field-id=\"18\"><input type=\"hidden\" 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id=\"wpforms-53563-field_20\"><strong>If you like this post, you'd love my Ultimate Guide to Personal Finance<\/strong><\/div><\/div><div id=\"wpforms-53563-field_21-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"21\"><div id=\"wpforms-53563-field_21\">It\u2019s one of the best things I\u2019ve published (and 100% free), just tell me where to send it:<\/div><\/div><div id=\"wpforms-53563-field_10-container\" class=\"wpforms-field wpforms-field-name\" data-field-type=\"name\" data-field-id=\"10\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-53563-field_10\">First Name <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"text\" id=\"wpforms-53563-field_10\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][10]\" placeholder=\"First Name\" required><\/div><div id=\"wpforms-53563-field_11-container\" class=\"wpforms-field wpforms-field-email\" data-field-type=\"email\" 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value=\"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/59244\"><input type=\"hidden\" name=\"url_referer\" value=\"http:\/\/www.iwillteachyoutoberich.com\/roboadvisors\/\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-53563\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Send me the guide!\" aria-live=\"assertive\" value=\"wpforms-submit\">Send me the guide!<\/button><\/div><\/form><\/div>  <!-- .wpforms-container --><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Robo-advisors like Betterment and Wealthfront have exploded in popularity by offering automated investment management at lower fees than traditional financial advisors. These platforms promise a simple, hands-off approach to growing your wealth\u2014but is trusting an algorithm with your money really a smart move? What the Heck Are Robo-Advisors Anyway? Robo-advisors are\u00a0automated investment platforms\u00a0that use sophisticated [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":89183,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","om_disable_all_campaigns":false,"_lmt_disableupdate":"no","_lmt_disable":"","_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[160],"class_list":["post-59244","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance"],"acf":[],"aioseo_notices":[],"modified_by":"Vika DD.NYC\u00ae","_links":{"self":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/59244","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/comments?post=59244"}],"version-history":[{"count":0,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/59244\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media\/89183"}],"wp:attachment":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media?parent=59244"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/categories?post=59244"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}