Acorns is an investing app lets people automatically invest their spare change by rounding up the purchases they make with a linked credit or debit card. For example, if you buy a coffee for $2.75, Acorns will round up to $3.00 and automatically invest $.25. Acorns, currently valued at $860 million, has been lauded by investors and journalists alike for finally getting millennials interested in. As soon as you sign up, its ease of use allows for an extremely “high ability” (no time spent, no physical effort and minimal cognitive cycles) alongside the “authority” by people who know how and when to invest to make required returns.