It's Brian Preston, the money guy, restoring order to your financial chaos, retirement,

investing, taxing.

You've got financial questions, he's got financial answers.

It's Brian Preston, the money guy.

Okay, here's a really interesting one to start and it's so pertinent right now.

This one is from Matt and this is you two question.

Matt said, I'm about to start investing in a taxable account.

Should I use a Robo advisor to automate tax loss harvesting instead of buying and selling

similar index funds in a brokerage?

This is what his question.

He's about to start his very first taxable account.

Let's assume he's starting at zero.

Should I, I'm going to frame his question a bit.

Should I be thinking about loss harvesting?

Then if I am, should I be using a Robo advisor or should I, if I have an opportunity to do

it myself, how might I think about that?

And what might be some pros and cons of each as someone who's done a bunch of tax returns

throughout the course of your career?

Yeah, remember I said, I don't want everybody chasing complexity, especially when you're

in the foundational stage of really focusing on the behavior of saving 25% of your income.

And that's why we always talk about the index target retirement funds.

I think Robo's, look, I'm not against Robo's, it's just, but I feel like Robo's, here's

...