Investing and developing a solid retirement plan is important for solo entrepreneurs and consultants who typically don’t have corporate 401k or IRA plans to choose from. Beyond setting up my own retirement and college savings accounts for my sons, I’ve tried to also test out the myriad “everyday savings” plans that crop up. These programs – like Acorns, Stash and others – typically take a portion of your monthly spending and apply it to investments on an ongoing basis.

My favorite of the crop is Acorns. Based on the concept that every penny counts, Acorns syncs with your bank account and credit cards to rounds-up every purchase you make and invest the difference. For example, if you spend $4.87 at Starbucks, Acorns will take the remaining $0.13 and invest it based on your investments preferences.

In the six months or so that I’ve been using the app, I’ve contributed almost $900 to my investing account with Acorns just by doing what I normally do – which is shop!

Acorns: Invest Spare Change App – Free in the iTunes and Google Play stores

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