<prompt> Human: By new I mean brand new. In that Ive invested nothing at all.Im 24, first job out of college, and just started contributing to our 401k, so thats a start. But Id like to get more involved.My income is low anticipating a boost in March, but my expenses are also low, so I have some spare cash on hand that Id like to do something with. Because I know little read: nothing about investing, get started applications like Stash or Acorns are attractive to me.But Im apprehensive. Are these options worth my time and money?  <response>: Not really. Just open an account at FidelityVanguardSchwab and invest there. Look at creating a three-fund portfolio in an IRA.I know Schwab will walk you through it when you open your account, though I think the others will too. 