I ran across a really cool program this weekend: Acorns. It’s micro-investing. For just $1.00 a month, you can tie your credit card to the program and it will round up your spare change from credit card purchases and invest it. So, for instance, if you spend $9.46 on lunch, the app will pool it with other spare change from your purchases until it reaches $5, then invest it in an account that holds an assortment of ETFs (most from Vanguard, it would appear, based on the portfolio it chose for me (based on my age, income, assets, and investment approach). I bypassed the spare change approach and simply designed a monthly amount to be invested (which costs me $2 a month). The program is free for four years if you’re in college. In addition, you can tie your credit card to the program and stores will contribute to your investment account every time you use the card at their store (Walmart, for instance, kicks in 1% of your purchases into your investment account).