 They allow users to start investing with very little money, often with no commission fees. These apps also provide educational resources, making it easier for beginners to understand the stock market and make informed decisions. It really is amazing how accessible investing really has become over the years. But with all of these tools, are there any risks that we need to be aware of? Well, absolutely, Bob. While these tools offer great convenience, they also come with risks, primarily around security. It's crucial to use apps from reputable developers and ensure that your data is encrypted.