Do Investing Apps Actually Work? Here’s What to Know Before You Commit by Julia Glum Hello! Welcome to the audio version of Dollar Scholar, a personal finance newsletter written by a 27-year-old who’s still figuring it out: me. Every week, I talk to experts about a money question I have, whether that’s “What if I don’t have a 401(k)? or “How many credit cards do I need?” As I learn, I share simple ways to improve your financial life..and mine.