If you already have a strong investment portfolio and a firm grasp on how to make your money grow--well, kudos.

If not, read on for the easiest way to start investing.

Acorns is a new app that deposits your spare change into a stock portfolio managed by economic smarties.

The specifics: You start by linking up a credit card. Then, every time you make a purchase on that card, Acorns rounds up to the closest dollar and deposits those extra cents into an investment account (typically, a diversified ETF). So buy a Pumpkin Spice Latte from Starbucks for $4.55 and 45 cents goes toward your future.

You can choose from several different risk options, and whether you’re a wild-and-dangerous Debbie or a play-it-safe Sally, your account should start to earn money over time.

You can reallocate or increase your contributions whenever you’d like. Or just set it, forget it and maybe check in once a year. (It’ll automatically rebalance based on market fluctuations and your stated investment goals.)

For the trouble of making you rich, Acorns charges $1 a month, as well as a yearly management fee (between 0.25 percent and 0.5 percent, depending on how much dough you’ve got invested).

Please remember us when you’re a millionaire.

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