Acorns: Investing Your Spare Change

Hey there! Don't let the blog title bore you or scare you away. I promise I'll be quick and this will be worth your time :)

I've always been interested in saving and investing money. I'm the guy stopping to pick up a penny in the grocery store parking lot, and even though I'm 29 years old, my face still lights up when I visit my parents in Arizona and my dad gives me a bag of coins or tells me to keep the change after paying for something at the store. I know that pennies add up and I've seen that over the years.

As a father and husband, supporting my family and planning for the future (and doing it well) is a main goal of mine. I'm always looking for new ways to make money and new ways to save/invest my money. When I heard about the Acorns app, I knew it was perfect for me. 


Acorns makes saving painless. You can link any of your debit or credit cards to your account and Acorns will round up each purchase to the nearest dollar. That round up amount will be invested in your Acorns app. Below is a video that shows how it works:

Super easy, right?

I started using Acorns a couple years ago. I signed up and wanted to use it to secretly save for a fun 10-year anniversary trip for Emily and I. I was too excited about the app so within about 2 days I told Emily about it and ruined that surprise, but it's been fun watching it grow and we are trying to decide what to use it for! Maybe remodeling our tiny master bathroom at some point :) This is such a great way to save up for retirement, a down payment, a car, an emergency fund, etc. Also perfect for any stage of life!

In addition to the round ups with each purchase, you can do the following to increase your savings: 

  • Recurring investments - For example, you can deposit an extra $10 each week, or $5 each day, whatever you want! I personally have a recurring investment each week and it adds up quickly! I have slowly bumped it up over time and you don't even notice the small increases.

  • One-time investments - If you get a bonus at work or some birthday money from grandparents and want to invest it, just do a one-time investment for whatever amount you would like. Put that money to work rather than sitting in a savings account.

  • Found money - This is money you get when you make purchases through their app with one of their many partners. I have used this a couple times. The first time I used Airbnb I booked it through Acorns and got 2.8% of the total price invested in my account. I also get rewards when I pay for my Dollar Shave Club purchases, which is 10% of my total order price.

  • Referral bonuses - You get $5 when a friend signs up through your link. They occasionally have limited time bonuses. For example, in January, you could get a $1,000 bonus if 10 people sign up with your link. That's in addition to the $5 bonus for each. Not bad!

My goal is to help at least 5 people sign up and start saving this month! You will get $5 when you sign up to get you started! If you have questions, send us an email or comment on this post. I love talking about the Acorns app (or any other ways to save/invest) so don't hesitate to ask. 

>> Start investing now! Sign up HERE. <<

BONUS: We want to send you a free Slouch Headwear beanie if you sign up and make your first deposit in September! Once you sign up and make your first investment, send us an email at and we will get your beanie shipped out.

Comment below and let us know what you would use Acorns to save up for. If you want to hear more ways to make or save/invest money for you and your family, let me know what you would like to hear more about. Happy saving!


Carl Fillerup

Husband to Emily and father of two adorable boys, Hudson and Riley. I'm the financial analyst for the Department of Surgery at a hospital in Utah. I enjoy drone photography, sports, travel, finance, meeting new people and managing our online company, Slouch Headwear.