<prompt> Human: I recently downloaded that app Acorns that invests your money for you and I really like it but I dont really like having to pay a dollar every month for it or some other random fees that are supposedly hidden there. Im so new to investing though that I dont know how to build a portfolio on my own. I would love it if someone could tell me how to do this without relying on the app.  <response>: Figure out how much you would be investing with Acorns, it should on average be about 50 cents a transaction so you can really just see how many creditdebit card transactions you do in a month.Set up an automatic transfer of that amount of money into a savings account until you have 1000 available for investing. Open a Roth IRA with that and switch your automatic monthly transfer to the Roth IRA instead of the savings account. 