<prompt> Human: Im looking to get into the stock market but dont want to risk a large upfront investment or hire a broker. I learned about Acorn and its round up investment into different markets for you. To do this you have to give them web login info for your bank. I stopped the sign up process at this point as Im leery about it. Sure I get that it has to have a funding source and spending info to know what to round up, but now Im trusting an app with my checking and savings info. An app that is not fdic insured or etc.What would you do?  <response>: I think theres a very skewed view about these sort of apps from personalfinance and people who tend to be good at saving and investing.Depending on the study you read 35-50 of Americans have ZERO savings. So if you have a Vanguard account and are awesome at saving you are in the minority and these apps are clearly not for you. But the the majority of people with little to no savings the biggest hurdle is the emotional stress involved with handing your money over to someone else when you could spend it now. I think the brilliance of apps like Acorn is that they start you off small and you hardly notice you have been contributing to savings. When I started with Mylo I ended up putting away around 25 a week, which ends up being 1300 a year. Which again Im sure some of you put more than that away a month but again this isnt for you. I would assume that most people, when they see there report at the end of the year and figure out that they can save and you can turn it into a game, seeing how much money you can save and earn from interest, that theyll withdrawal the money and open something like a Vangaurd account. 