A money management card adapted to provide a method of saving and investing for a user of the money management card. The money management card is associated with an investment account which allows money to be pooled for the purpose of investing. The investment account allows the user to allocate the balance of the investment account in one or more investment vehicles. The user is not required to satisfy a minimum amount before placing a portion of the balance in the investment vehicle. The balance of the investment account is funded by additional amounts added to purchase amounts for purchases made with the card.