<prompt> Human: So I am 23 married with two kids and my job doesnt offer any form of retirement benefits. I make enough to only save about 50-100 dollars extra every month. Thats aside from putting money into a savings account already. What should I do with it? I found an app called acorn that says it will invest small amounts of money for me, which I like because I am clueless with this sort of thing. Is it better to just save the cash or invest in something?  <response>: Please read I have X in the FAQ.Dont use acorn. 