Two doors, same building: the app never gets tired of explaining what a Roth is, the human adjusts the path to your life. Most beginners need both, in that order.
- Apps win at information: lessons at midnight, click-by-click applications, infinite patience - Humans win at judgment: given your income and 401k, fund the Roth first and skip taxable for now - The most expensive beginner mistake is not ignorance; it is opening the wrong account confidently - Use the app for vocabulary, the call for decisions - Ask the embarrassed question out loud; humans have tone of voice, FAQ pages do not
BrokerMatch ($2.99 one-time) is the five-minute version of that call: five questions, three ranked brokers, one right account.