The Guidance Trap: What Investing Apps Like Stash Actually Solve — and What They Don’t
Ask a beginner why they haven’t started investing yet, and you rarely hear “I can’t find a brokerage.” You hear something closer to “I don’t know what I’d even pick.” That gap — between having access to markets and knowing what to do once you’re in them — is the real terrain that apps like Stash are built to occupy. The question worth asking is not whether Stash is a well-designed product. It’s whether paying a recurring fee to solve a behavioral problem is a good trade, or whether it’s dressing up something a free or near-free account could already handle.