<prompt> Human: Im a little late to the party and only just heard about the Acorns app. I did some research here and it seems like the general consensus is that the fees make it not worth it. They do have a promotion where anybody under 24 has all fees for their account waived, so in this instance are there any drawbacks to investing with them? Im not looking to invest a lot of money, only maybe 10-20 a month.  <response>: Acorns is a terrible way of investing, imo. You only invest when you choose to spend money? No, that promotes consumerism and needless purchases on frivolous things. On top of that they tack on a 0.25 screw you fee to manage your portfolio on top of all the other expense ratios that are dragging on your returns. Betterment has the similar strategy, but its only 0.15 per year on top of the expense ratios of the underlying funds.Acorns only makes sense if you have a ton of debit card transactions which you shouldnt anyhow, since debit cards are vastly less secure than credit cards. 