But, if what you are actually wanting is… To make extra money that you can access right away Build a side-hustle that can help you pay your bills every month Build a side-business that will turn profitable at some point Then this is probably not the kind of thing you would want to mess with. I was inspired to kick my own savings into high gear. The app links with your bank account and credit cards, rounding up daily purchases and automatically investing the ‘change’ into a diversified portfolio of ETFs. This app puts your money to work for you , which is pretty cool.