Newsflash: By 2022, about $4.6 trillion will be managed by roboadvisors—super smart algorithms telling you when and what to invest. But can we trust the robots? Betterment CEO Jon Stein thinks yes—but there are limitations.

This week on Business Casual, Stein explains 1) why computers make better money managers than Uncle Rob’s neighbor’s sister 2) where the big banks like Goldman Sachs and Morgan Stanley are failing everyday people and 3) why good advice typically has a price tag. He also masterfully tackles the democratization of financial tools in under five minutes (could be a world record).

And because he was feeling generous, Stein clues you in on the single worst thing you can do with your money.

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