Any tool that creates an incentive to save is a good start, however, investing is best practiced as a long term practice. Investing with friends towards a common goal (a vacation, for example), and using Richie to set a targeted portfolio value fails as a good tool under the assumption that the estimated returns are realized. What happens if you book a trip based on what Richie estimates your portfolio value will be in 6-12 months from now, and the market tanks?