So one unfortunate reality of life, as many of us experience on our road to financial independence, is that we must spend money occasionally. Bills happen, mortgage statements arrive, car repairs are sometimes necessary, not to mention food expenditures.

Don’t worry friends, Acorns is here to help us all. Acorns is a “micro” investing app where we can link our debit and credit cards to that automatically rounds up to the next dollar our purchases that we MUST make. Better than that, individuals can set up reoccurring transfers to their Acorns account too. As an added bonus Acorns has partnerships with certain retailers who will “invest” in your account if you do business with them through the Acorns platform.

I started an Acorns account in June of 2018 and I have a current balance of just over 5k saved with monthly contributions of $200 added. Not only do I feel better knowing that if I must spend, Acorns will help me save but as a novice investor, I also benefit from additional diversity in my portfolio by having my money invested in Acorn’s mutual funds. My performance so far has been about 13% which does trail, rather significantly, market returns.

In short, I find this account very easy to add to my financial life, one that I feel has benefited me, and maybe most importantly has been incredibly easy to use. I have Acorns linked to my cashback credit card for a win-win.