A parent recently excitedly told me how proud they were of their daughter who was a college freshman because she had started an investment account. They were especially proud because they were the ones to convince her to using the Acorns savings app which apparently worked for their daughter. The Acorns app auto-invests your spare change using the classic 'rounding up method' as you make purchases. It takes this loose change and invests it through their parent company, Acorn Advisors, which is SEC registered as an investment advisor. It truly is an interesting way to get any student started on an investment portfolio, because there are no fees for students that have an .edu email address. Once it's setup, you simply choose between five investment strategies that range from conservative to aggressive. Any parent of a twenty-something that wants to get them started investing should look into the Acorns app at https://www.acorns.com