The Easiest Way to Mindlessly Save Money

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When it comes to putting your money on autopilot, a handful of startups are making it easier and easier with beautifully designed and easy-to-use apps.

For stocks, you have Robinhood. For crypto, you have Coinbase. And for basic savings and your IRA, Acorns is changing the game.

Here's how it works:

You link your credit card(s) to your Acorn account and it automatically rounds-up your spare change. Spend $2.25 on a cup of coffee? $0.75 flies right into your diversified portfolio built with help from a Nobel laureate. $97.88 on groceries? $0.12 on the way. Over time, this adds up to quite a bit of cash-o-la. On top of that, you can set up automated deposits, ranging from a little to a lot. This makes it easy (and painless) to set aside money on a regular basis.

Acorns is also loaded with hundreds of brand partners that dish out cold hard cash if you purchase anything through them. Signing up for a Classpass account adds $7.00 to your investment account, switching to AT&T U-Verse internet after a move throws $25.00 into the ring and finally getting that art framed through Framebridge nets you a cool $15.00. It's not something you want to go out of your way to indulge in but when you were going to spend the money regardless, you might as well get a little something back from it.

And best of all, they make it incredibly easy to set up an IRA. In a few taps, they’ll recommend an IRA and portfolio that’s right for you, allowing you save for retirement in the breeziest way possible.

They'll even throw in a free $5.00 to get the ball rolling if you sign up for an account here. Your future self, with his or her bags of money, sends their thanks.