An irony fit for the first month of 2021: A trading app that touts ‘democratizing investment’ reveals it’s willing to quash the little guy to keep hedge fund giants afloat.

Bogle created index funds in 1975, transforming the world of investing and making it easier for millions of Americans to hold onto their money.

If you’re motivated, you can flip your finances from a dismal cycle of paycheck to paycheck to an impressive investment in your present and future.