What Happens if Savebetter Goes Bankrupt? Live Q&A

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A viewer is asking what would happen if SaveBetter went bankrupt? The concern is that SaveBetter keeps track of all of the specific account date of its customers. The banks do not have this data. We'll tackle this question tonight, and then I'll turn to your questions.

We'll start tonight with a discussion of how to invest during a recession. Then I'll answer your questions.

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Timestamps
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0:00 - Welcome to the Financial Freedom Show!
0:38 - What Happens If SaveBetter Goes Bankrupt?
14:09 - What maturity is appropriate for bonds?
16:06 - Roth conversions before 01/01/2026
19:02 - Moving away from Vanguard
21:03 - Aging parents and estate plans/wishes
24:00 - Apple Pro Vision
25:19 - Going 100% VTWAX instead of VTSAX/VTIAX in a Roth IRA
28:54 - Betterment Cash Reserve accounts
29:55 - The last concert I went to
30:45 - Withdrawal rates/Social Security
37:19 - Should the 3-fund portfolio now be a 4-fund portfolio?
39:02 - 2-3 fund portfolio/My funds
42:51 - Building a bond ladder
44:52 - Ally No Penalty CD
46:54 - 3 or 4 fund portfolio in retirement
50:22 - Poll
51:16 - FDIC
53:02 - 2 or 3 fund portfolio vs Merriman Ultimate Buy and Hold portfolio
54:29 - M1
55:46 - Income Rider
57:46 - Building a bond ladder
1:05:48 - What maturity for TIPS?
1:06:19 - Investing in individual government bond vs government bond funds
1:14:11 - Investing in a small AUM/low volume etf/DSMC
1:16:08 - Bond fund vs Treasury bond
1:16:47 - Following Asset Allocation rules
1:18:06 - VTI vs SPY
1:20:01 - $50K in an IRA for a low income retired person
1:24:23 - 400,000 shares of Apple
1:24:56 - Rolling over a 401K
1:28:09 - Buying a 30 year bond
1:29:28 - Monitoring sleep
1:31:24 - Pass-through Insurance
1:33:30 - Announcements
1:35:44 - Financial Freedom

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ABOUT ME

While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. Today I'm the Deputy Editor of Forbes Advisor, managing a growing team of editors and writers that produce content to help readers make the most of their money.

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DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.

AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning at no cost to you I earn a commission if you click through and make a purchase and/or subscribe. However, I only recommend products or services that (1) I believe in and (2) would recommend to my own mom.