Though I haven’t truly mastered the Seven Baby Steps of Dave Ramey’s Financial Peace , I felt the need to start a rather small investment. I personally don’t utilize company based 401(k)’s as I’ve seen too many family and friends lose thousands they put into this strategy only to lose it or be told they can’t use it.

I think we all know by now, a financial guru of spending thrifty I am not. I am a certified shopaholic {and yes, there is a group for that}. However, I came across a financial app that intrigued me.

It is called Acorns. It links to a checking account and gathers the change from you purchases and then in turn into diversified investments. Here’s a snippet from the Acorns Support page.

I also wanted to include this web article so you could review for yourself the pros & cons on this investment.

I decided to go with this as I am not a Saver. If I have a dollar, I will spend it. I wanted a way of getting started that did not allow me instant access to my money.  My Emergency Savings is not an investment, it’s for emergencies.  When I get to the third baby step per the Financial Peace Seven Steps, I want to have a bit stuck away. Call it my back up baby step.

Check out the sites and give me your feedback.