How to rearrange the files in my site to prevent crash
 

My home page is on index.php(or the root directory), and my forum is on forum.php. so it's like www.maddenstudents.com is the homepage, and then www.maddenstudents.com/forum.php is the forum. I feel like this is going to be a problem when I update my vbulletin. How can I rearrange my site so that it's not going to break if I update it?

So you have a custom index.php page and all the other files are vbulletin files? Just make sure you don't upload the vbulletin index.php page and replace yours. Or, you can create a /forum directory (name it whatever you want), then close your forums, change the Forum URL (vboptions > Site Name/URL > Forum URL) to yoursite.com/forum, then move all the vbulletin files into the /forum directory.