If you strictly round up, the fees are killing you to the point where they greatly outweigh any investment gains.

If you round up plus add a hundred bucks or so a month, it could be worthwhile. Definitely not a good investment, but you won't be losing right out the gate.

But at that point, the novelty of the app goes away. The round up feature doesn't really contribute much to even cover fees. It's the additional saving component that is useful. And you might as well use another less costly platform for that

Everybody keeps saying it's for people who don't have discipline. But you have to have the discipline to consciously save extra to make this thing worthwhile.