<prompt> Human: Hello! Im a college student who receives huge amounts of financial aid each year from my university as a low-income student. Keeping finances in mind because I dont want to have that grant lowered, I want to try microinvesting via an app called Acorns. It takes the spare change from debitcredit transactions and invests it. How do taxes work for an app like this? Will I get taxed if I dont withdraw the money? Or is there a minimum amount I have to make from the app before I get taxed?I only foresee an investment of 40 bucks tops a month, nothing too big, but I wanted advice from PF! Thanks everyone!  <response>: Dont do it. The fees are ridiculous. 