Investing is intimidating. Even the most intelligent and successful people find themselves paralyzed by the idea. It makes sense. You worked hard for your money—you don’t want anything to happen to it. Investing can seem like this risky and mysterious process. If you start researching how to do it, even more questions can pop up. How much should you invest? Where? When?

Those initial questions can be overwhelming and ultimately lead to you just pushing it off. Maybe you tell yourself you’ll do it later when you are more knowledgeable. Maybe you’ll get someone else to help, but that seems expensive—something meant only for those with great amounts of wealth. Sound familiar?

But it doesn’t have to be this way. Investing, at the end of the day, is for all. It’s time to make your money work for you, not the other way around.

Investing for All

On the “Accessible, Affordable, and Active Investing” episode of the Making Bank podcast, guest Clay Gardner discussed his investing app, Titan, and how it breaks down some of the biggest misconceptions about investing. A Wharton School graduate, Clay and his partner have built Titan, which combines the values of traditional investing with modern-day convenience and accessibility. And it works—over 30,000 people have invested with Titan in just three years.

Titan breaks down some of the biggest misconceptions about investing. Investing doesn’t have to be this scary, mysterious process. Investing can be accessible, affordable and active.

Accessible Investing

One of the biggest challenges with traditional investing is that it seems like a small percentage of people have access to it. Even if you have built up great savings, you may not know where to go with it. For most, investing feels like it has been hidden away in affluent, highly educated circles. To an extent that is true. In order to manage money, you must be licensed, have a certain education level and follow certain regulations. But having your own money managed requires only one thing—money.

Okay, maybe two things. Money and a smart phone. You don’t need to be on Wall Street or know someone that is. You just need to download Titan on your phone.

Affordable Investing

Sure, you can download the app—but don’t you still need money to invest? After all, you’ll need to hire someone to manage it for you. Yes, you need money—but not a lot. Don’t wait until you’ve made $1M to invest it. Invest to make $1M.

Sounds nice, but is that actually true? And how much is “not a lot?” According to Titan, you can start investing with as low as $100. Titan money management experts will direct that $100 to grow in the ways you’d like. After first signing up, you will go through a process to determine how much or little risk you’d like to take, your timeline, and other factors. If you like a company but can’t afford its stock, Titan can help you gain access to a portion of a stock for a lot less. Unlike a traditional hedge fund, Titan does not pool your money in with others, getting it lost in a giant heap. Instead, Titan will track your fraction of a share, which you can view at any time.

Active Investing

You may still be hesitant. After all, should you really trust your money through an app? Sending your money through a firm, however, can actually be more obscure than Titan. Just like how Titan doesn’t slosh your money in with others, the app doesn’t keep it hidden away under lock and key. There is no mysterious “man behind the curtain” or in this case, person behind the screen. With Titan, you can choose to be as involved as much or as little as you want.

After taking that initial assessment of your preferences, an expert will review your case and put together a profile. They’ll present options that best fit your needs. However, you can choose to accept or reject as many of those options as you desire. The experts are there to work for you and your money, and you should have as much control in the process as you’d like.

But your active participation doesn’t have to stop there. On the Titan app itself, you’ll find videos, documents, and access to experts to educate and inform you of what is happening.  Your expert will make videos you can watch any time that explain where your money is and what it is doing. You can also track your money and growth at any time with a modern-day transparency and convenience.

There’s no reason for your money to be sucked into a black hole, only to emerge ten years later with a larger sum. With Titan, you can see the process unfold, you can change your process, or access what you need to with just a click.

With just a smart phone, anyone can have a money manager. And everyone should.