Apps like Acorns and Stash round up purchases—$3.75 coffee becomes $4, investing the 25¢ difference into ETFs. Compound interest turns pocket change into thousands over decades. User-friendly interfaces teach via bite-sized lessons.
SEC-registered; FDIC-insured bank links. Withdrawal flexibility beats locked retirement accounts. Critics flag fees (1–3%); compare via calculators. Link cards, set aggression levels, forget. Micro-investing makes millionaires from lattes.
