joinr and jeff crittenden us now. see the acorn on the t-shirt, very cool. what does it mean? >> acorns are an app that help you save and invest spare change, small amounts. >> the idea is you are digging up and hiding away acorns like a bunch of squirrels. how do you do it? connecte app, you can any debit or credit card and we can monitor spending and round up to the next dollar and invest the change. the idea is not to change behavior. so many investing programs request or require a change in behavior. you need to set aside money you would otherwise be able to spend. but by connecting it to spending, you can make it second-nature and he can go on in the background. people can build a portfolio without even thinking about it. >> i think i heard about this idea of rounding up, throwing her change into an account the couple years back. how much can someone actually squirrel away here, were he or she to sign in? >> we like to say, small change adds up. we find people can save up to $50 a month just in round-ups alone. the goal is to use rounding up the change