sigh.... I am in the same boat as OP. About 3 months ago I started to seriously pay attention to MMM, and opened my eyes.
What's been even more eye opening is reading this forum, and understanding that I am still a novice.
So lo and behold, I closed my savings and drained excess cash from my checking account and there I now have $25k in Betterment ( at %4 loss currently). One of my account is distributed in 90% stocks (basically Vanguard ETFs) and 10% bonds.
So can anyone dumb it down for me in a few sentences (or links) and explain why opening a Vanguard account would be better(is it all about the lower fee)? And what level of Vanguard management would I need to do(rebalance every month, tax loss harvesting, something else I am clueless about)?
Ditch Betterment entirely or rebalance to SafetyNet and go Vanguard for Building Wealth?