Taking control of our money is an ideal we all strive for.  IRAs, 401Ks, stocks, bonds, savings accounts… these and other financial products are designed to set us up financially. However, when used improperly, these products could actually lose money for us. Trading stocks without the proper knowledge and research can be extremely risky and expensive.   Betterment was launched in 2010 and became a pioneer in the world of robo-investing. Artificial intelligence can make recommendations to you to keep your financial goals on track. As you add more accounts into your Betterment portfolio (which could also include the 401K being provided by your current employer), your individualized retirement advice will continue to change, based on your goals. Betterment provides no-fee cash reserve accounts and also has a checking account currently in Beta. The cash management system can keep both accounts running optimally by moving excess money (based on your spending habits) from checking to cash reserve. The system will also move money from cash reserve to checking if the checking account balance is getting too low and there is a risk of overdraft.   In this episode, Mike Reust, President of Retail at Betterment, joins me for a conversation about robo-investing and the future of money management. Show notes: Investing with Betterment Cash Management with Betterment