<prompt> Human: I got an add for this on youtube, and it sounded like a cool idea. Basically how it works is that this app will link to your bank account, so every time you swipe your card, it will round up to the next dollar and put that change in a diversified investment portfolio. I thought it sounded like a pretty easy way to just set some cash off to the side, but before I committed any resources to it, I wanted to make sure it was on the up and up.  <response>: Waste of time, waste of money compared to the more meaningful alternatives.Please read the information found in the wiki particularly I Have X ... What Do I Do With It?! You may find Your IRA and You: Basic Information and Your 401k and You: Basic Information worth a read as well. 