Not to do so is essentially to throw money away. That said, building a portfolio can also raise such complexities as how best to balance the risk of some investments against their potential returns. They have a specific share price and can be purchased through virtually any broker. Acorns only uses ETFs. One priority in your planning should be to take full advantage of the inducements dangled by governments and employers to encourage retirement security. The hedonic treadmill aka lifestyle creep is like the devil whispering in your ear about how much sweeter your life would be if you would just upgrade already. Learn which educational resources can guide your planning and the personal characteristics that will help you make the best money-management decisions.