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Acorns is a smartphone app that analyzes your spending, rounds it up to the nearest dollar, and invests the difference between the two. It essentially takes the spare change from your purchases and puts it into diversified portfolios. Ranging from conservative to aggressive, Acorns has five different portfolios. Simply link a credit card and checking account, then Acorns does the rest. You are investing pennies at a time with this micro-savings service, making it easier to put your money aside and let it work for you. The fees are $1/month (up to $1 million of investments) and students can utilize this app for free.