It's time for the ultimate robo-investor showdown.  I decided to download all three apps last year and find out which one I liked the best.  Acorns and Betterment are true robo-investors where you set your risk tolerance and send them money as/when you can Acorns.comAcorns is a very simple but effective app for roboinvesting. You attach a bank account, can make one time investments, or set up recurring investments. I decided to try the reoccurring investing. What I liked about this program is that there are other ways to invest. They have something called "round ups" where you can attach a credit card and if you spend say 28.77, the next .23 will be taken aside and when you hit…

Simplicity.That's what I love about excel sheets. I watch people make things far more complicated than they need to be in excel, but truly you just need it for keeping track of a few numbers and totaling them up.Me personally? My wife and I have been using the same excel sheet for 17 years now.  No lie.  Same spreadsheet.  It's actually been in an OpenOffice format now for sometime, but you get the idea - It's the same thing as excel.We started the excel sheet back on 11/26/2001We are currently on cell 16,032 and started on cell 10For those that don't use anything, here is a sample excel file that is actually modeled after one I use for work. It's…

Carter's Simple Rules 1. Spend Less Than You Make 2. Invest In a Total Stock Market Index Fund ... and that's it! It doesn't need to be any more complicated than that and it really is that easy.   You can stop reading and go on with your life after this major wisdom drop. Think on it for a while. If you have time, I broke it down much deeper so keep reading or come back and read later.   Investing People become confused because there is an endless supply of investment choices, because we all want a short cut; We all believe we can do it faster and better, that you're going to be the person to beat the average, the next Warren…