finance today:Budgeting is the process of planning how to spend your money in order to achieve your goals. It’s not easy to keep track of all your money, but if you want to save for retirement, pay off debt, or invest, you need to know where your money is going. The app Acorns can help you track your spending, save for the future, and spend wisely. Acorns is a digital investment app that invests your spare change in exchange-traded funds (ETFs).