Episode 1 - Forecasting for 2023

In this episode of The Money Experience, Kevin McGarry is speaking with Frank M. Betsch, the founding partner of Valley Financial Group. With over 42 years of financial planning experience, Frank has helped thousands of people retire.

The goal of this podcast is to uncomplicate money. The guys are looking at the predictions for 2023 and comparing them to historical data to come up with their own opinions on what the market has to offer in the upcoming year. This episode is wrapped up with advice on managing your finances.

To contact Kevin McGarry: kevin@valleyfinancial.com kevin@valleyfinancial.com

To schedule a free financial assessment, fill out the form below.

As much as some may resent it, it becomes harder with each passing day, month, and year to deny the enormous part that technology plays in all of our daily lives. From getting a ride to finding a place to eat, there is an app available on any smartphone for nearly every want or need, and what more important need to take care of then planning for your financial future. You guessed it, there’s more than one app for that as well, each one catering specifically to your exact fiscal needs.

First up is Mint, from Intuit Co., who’s name you might recognize from TurboTax or Quicken Loans. The app allows you to bring all your financial responsibilities to one convenient place. That includes credit/debit cards, bills, tools for budgeting and tracking spending, and so much more. It notifies you when you need to make pavements to avoid late fees and can even give you budgeting tips based on your spending habits. Its basically the best app for managing your finances overall.

Next up is You Need a Budget (YNAB), far and above the best app for eliminating debt, all based around the simple principle that every dollar you possess has its own specific job. It even helps you adjust your budget as time passes if you get a little off track. There’s a small monthly fee, but with the average user shaving off $500 in debt in just the first month, it may be worth shelling out for the monthly subscription if you want some extra help getting rid of unwanted debts.

The last entry on our list is designed specifically to aid with savings. Its called Acorns, and it makes saving ridiculously easy. Every time you make a transaction with a card you’ve connected to the app it rounds the purchase up to the nearest whole dollar and invests the difference in a number of low cost exchange-traded funds that you have selected based on the level of risk-reward you are comfortable with. Users claim they barely notice the pocket change missing, and who doesn’t love a couple hundred extra dollars appearing in their account at the end of the year. 

These are all extremely helpful apps for your finances, but of course they are by no means the only ones out there. Search through the internet and the app store and you’re sure to find an app that can help you and your financial situation.

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