In a world where every penny counts, what if your spare change could become the cornerstone of your child’s financial future? Enter SmartChange, the innovative feature from Mostt, an investment platform designed to empower parents in building a secure financial foundation for their children.
Whether it’s buying a cup of coffee or picking up groceries, SmartChange makes every transaction an opportunity to grow wealth. This feature turns small, everyday spending into a long-term financial strategy, all while teaching kids the value of saving and investing.
What Is SmartChange?
SmartChange is a feature within the Mostt app that allows parents to round up their everyday purchases to the nearest dollar, investing that spare change into their child’s investment account. Think of it as turning “found” money into intentional investments.
For example, if you spend $4.75 at your local coffee shop, SmartChange rounds it up to $5.00. That extra 25 cents? It goes directly into your child’s investment portfolio. While it seems small in isolation, over time, these little amounts can grow into a meaningful nest egg thanks to the power of compound interest.
Why It Matters
Financial literacy is often overlooked, yet it’s one of the most important skills children can learn. SmartChange provides an accessible way for parents to instill the value of saving and investing in their children from a young age.
The beauty of SmartChange lies in automation. It removes the friction and excuses that often prevent people from investing. Parents don’t need to remember to transfer money or manually calculate contributions. Instead, investing becomes a seamless part of daily life—turning ordinary moments into extraordinary opportunities.
By starting small and being consistent, children can learn how money grows over time, why investing is important, and how their financial choices today can shape their future.
How SmartChange Works
SmartChange is simple, intuitive, and designed for busy families. Here’s a breakdown of the process:
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Link Your Cards – Parents connect their debit or credit cards to the Mostt app. Mostt uses bank-level encryption to ensure that your information is safe and secure.
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Enable Round-Ups – Activate the SmartChange feature and decide how you want to round up your purchases. Some parents choose to round to the nearest dollar; others may round to the nearest $0.50, depending on their goals.
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Start Investing – Every time you make a purchase, the app rounds up and automatically invests the spare change into your child’s account.
It’s effortless. And because it happens automatically, you don’t have to think about it. Over time, these small contributions can grow into a substantial financial foundation for your child.
The Power of Small Change
You might think, “It’s just a few cents.” But as any seasoned investor knows, small amounts add up.
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If you spend $50 a week on groceries and round up each purchase, that could add $50–$100 per month to your child’s account without you feeling the pinch.
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Over 10 or 15 years, consistent contributions—combined with market growth—can result in thousands of dollars in savings for college, a first car, or even an early financial head start.
Compound interest is a powerful force. By investing consistently, even small amounts today can turn into significant wealth tomorrow. SmartChange leverages this principle, allowing families to grow money without even noticing it.
A Family Affair
SmartChange isn’t just about the parent-child relationship; it’s about creating a culture of financial responsibility. With Mostt, you can invite friends and family to contribute to your child’s account, turning birthdays, holidays, and special occasions into meaningful opportunities for investment.
By making investing a shared family experience, children learn not only the mechanics of money but also the value of community and support. This teaches them that wealth-building doesn’t happen in isolation—it thrives in connection with others.
How Brokerage Accounts Work
To fully understand SmartChange, it helps to know a bit about how brokerage accounts work.
A brokerage account is a type of account that allows you to invest in stocks, bonds, ETFs, and other financial instruments. When you open a brokerage account, you deposit money that can be invested according to your goals and risk tolerance.
Here’s the breakdown:
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Ownership of Investments – The money in a brokerage account buys actual shares of investments, which can grow in value over time.
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Flexibility – Unlike savings accounts, brokerage accounts are designed for long-term growth and allow you to buy and sell investments freely.
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Compounding Growth – Investments made in a brokerage account can generate returns, which are then reinvested to grow even faster.
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Safety – Most brokerage accounts, including the ones used by Mostt, are insured by the SIPC up to $500,000, including $250,000 for cash. This protects your money in the unlikely event the brokerage fails.
By using SmartChange with a brokerage account, spare change isn’t just sitting in a low-interest savings account—it’s actively working to grow over time. This introduces children to the fundamentals of investing, risk management, and long-term financial planning.
The Mostt Advantage
Mostt isn’t just another investment app. It’s a family-first platform designed to make investing accessible, understandable, and rewarding. Here’s why Mostt stands out:
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Tailored Investment Portfolios – Mostt designs age-appropriate portfolios based on your child’s timeline and your risk tolerance.
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Bank-Level Security – Your information and your child’s money are fully protected with robust encryption and security protocols.
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User-Friendly Interface – Mostt’s app is intuitive, making it simple for busy parents to invest effortlessly.
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Educational Tools – Mostt includes resources to help parents teach their children about money, investing, and responsible financial habits.
By combining technology, education, and automation, Mostt removes the guesswork from investing and empowers families to make smart financial decisions.
Teaching Kids About Money
SmartChange is more than just a financial tool—it’s an educational opportunity. Children learn the importance of saving, investing, and making smart financial decisions from a young age.
By watching their investments grow, children develop a natural understanding of financial concepts like compound interest, diversification, and long-term planning. They learn that money isn’t just for spending—it’s a tool to achieve goals, support others, and create opportunities.
Mostt also provides resources to help parents start conversations about money with their kids, making financial literacy a hands-on, practical experience.
Getting Started Is Easy
Starting with SmartChange is straightforward:
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Download the Mostt app.
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Create an account and set up a brokerage account for your child.
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Enable SmartChange and link your cards.
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Watch spare change grow into meaningful investments.
Parents can set goals, track progress, and even allow friends and family to contribute, making financial growth a collaborative experience.
Why SmartChange Works
SmartChange works because it combines three powerful principles: automation, consistency, and education.
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Automation ensures that contributions happen regularly without you thinking about them.
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Consistency allows small, repeated actions to grow into significant outcomes over time.
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Education gives children the knowledge and experience they need to make informed financial decisions in the future.
By integrating all three, SmartChange transforms everyday transactions into impactful, lasting financial lessons.
Conclusion
SmartChange by Mostt is more than a feature—it’s a movement toward intentional, family-focused investing. By rounding up everyday purchases, parents can quietly and effortlessly build their child’s financial foundation.
This feature introduces children to investing early, teaches them the value of small, consistent contributions, and gives families a platform to grow wealth together. With the power of compound interest, the safety of a brokerage account, and the guidance of Mostt, spare change becomes more than just coins—it becomes generational wealth.
Ready to get started? Download the Mostt app today and turn your spare change into lasting change for your child’s future.