<prompt> Human: I was intrigued by the Acorns app prior to release but after seeing the fee structure, the idea of rounding up purchases to the next round dollar and investing the change does not seem like an efficient method to save. There is a 1.25 fee for accounts below 5k and a .25 on AUM. So lets say you have an account worth 1000, fees would be 1.75 annually 1.25 x 12 .25 x 1000. This is very high relative to a platform like wealthfront or betterment. What am I missing?  <response>: I dont really think youre missing anything. Its a pretty shit application. Just save a certain amount of money every month and invest it using a real platform. I think their target audience is people who have absolutely zero control over their money. 