HOW TO INVEST IF YOU HAVE NO TIME IN THE MILITARY- ACORNS INVESTING APP TUTORIAL FOR BEGINNERS
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If you’re in the military, you know how busy life can get. Between training, deployments, and daily responsibilities, finding time to learn about investing can feel impossible. But what if I told you there’s an easy way to start investing, even with your packed schedule? Enter Acorns, a beginner-friendly investing app that does most of the work for you. In this guide, I’ll walk you through how to use Acorns to grow your money, even if you’re a total beginner.
WHAT IS ACORNS?
Acorns is an investing app designed for people who want a hands-off approach to growing their money. It’s perfect for beginners, especially those who don’t have the time or knowledge to pick individual stocks. The app automatically invests your money into a diversified portfolio based on your goals and risk tolerance. Plus, it’s super affordable, with plans starting at just $3 a month.
HOW TO GET STARTED WITH ACORNS
Sign Up To Get $20 Free
First, download the Acorns app and create an account. If you use my special referral link, you’ll get $20 free to kickstart your investing journey. It’s free money, so why not take advantage?Set Up Your Account
Once you’re in, Acorns will ask you a few questions about your income, goals, and risk tolerance. Based on your answers, it will recommend an investment portfolio tailored to you. For example, if you’re young and comfortable with risk, it might suggest an aggressive portfolio with 100% stocks
HOW ACORNS WORKS
Acorns offers three main ways to invest:
Recurring Investments
This is where you set up automatic investments. For example, you can choose to invest $10 every week. Over time, even small amounts can grow significantly thanks to compound interest. The app shows you a graph of how your money could grow over 10, 20, or even 40 years.Round-Ups
This is one of Acorns’ coolest features. Every time you make a purchase, Acorns rounds up the amount to the nearest dollar and invests the spare change. For example, if you buy a coffee for $3.75, Acorns will invest $0.25. You can even set a multiplier to invest 2x or 3x the round-up amount.One-Time Investments
If you have extra money at the end of the month, you can make a one-time investment. The minimum is $5, so it’s easy to get started.
WHAT DOES ACORNS INVEST IN?
Acorns invests your money in ETFs (Exchange-Traded Funds), which are like baskets of stocks. For example, one ETF might include shares of the top 500 companies in the U.S. (like Apple and Microsoft). This diversification helps reduce risk because you’re not putting all your money into one company.
You can see exactly what’s in your portfolio, including the percentage of stocks and bonds. If you want to adjust your risk level, Acorns makes it easy to switch between conservative, moderate, or aggressive portfolios.
EXTRA FEATURES: ACORNS LATER AND ACORNS CHECKING
Acorns Later: This is a retirement account (IRA) that helps you save for the future. It’s age-based, meaning it adjusts your investments as you get closer to retirement. Plus, Acorns offers a 1-3% match on new contributions.
Acorns Checking: This checking account earns you 2.57% APY (Annual Percentage Yield), which is way higher than the national average. If you direct deposit $250 per month, Acorns waives your subscription fee, making it free to use.
WHY ACORNS IS PERFECT FOR MILITARY MEMBERS
It’s Hands-Off
Acorns does all the heavy lifting for you. Once you set it up, you can focus on your military duties while your money grows in the background.It’s Affordable
With plans starting at $3 a month and the ability to waive fees with direct deposits, Acorns is a budget-friendly option.It’s Beginner-Friendly
You don’t need to know anything about stocks or the stock market. Acorns guides you every step of the way.
FINAL THOUGHTS
If you’re in the military and want to start investing but don’t have the time or knowledge, Acorns is a fantastic option. It’s simple, affordable, and designed for beginners. Whether you start with round-ups, recurring investments, or a one-time deposit, Acorns makes it easy to grow your money over time.
Ready to get started? Use the link in the video description to sign up and get your free $20. Your future self will thank you!
Pro Tip: If you’re interested in learning more about investing, check out the video linked at the end of the tutorial. It’s a great resource for beginners who want to dive deeper into the world of stocks and finance.
Disclaimer: I’m not a financial advisor. This article is for educational purposes only. Always do your own research before making any investment decisions.

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