Smart Saver is a solution that your clients might want to tap into on occasion due to regular fluctuations in spending. It’s designed to hold extra money they have lying around, which they’d like to have grow some, so they’re not leaving easy money on the table. Your clients should be okay dipping into Smart Saver from time to time.
A Betterment Safety Net goal is the money your clients would save for big emergencies. There’s a set amount that you and your client would decide to invest in it, that hopefully, they’ll never need to touch. It needs to grow to keep up with inflation and presumably their income growth. This is the money your clients would use in case of major emergencies.