<prompt> Human: So we are both 20, and are very aware how important it is to start young. My wife and I both currently use acorns, but mostly just for the round ups because its awesome to not notice any money leave, but in 6 months you have a few hundred dollars. Now she wants to start investing 50 a week into acorns for the next 40 years. We dont currently pay a membership fee, but Ive heard that they charge much more than you would be paying if you invested in a traditional Roth IRA. So what should we do? Any advice is greatly appreciated Edit: thanks for the advice! Ill talk with my wife tonight.  <response>: Yes, you should be contributing to a tax-advantaged retirement account, such as a Roth IRA, and not that app. 