Top 5 Financial Apps to Avoid

What are the top 5 worst apps, you should consider not having on your phone? Because they might be keeping you away wealth.

Top 5 Financial Apps to Avoid
1. Bull and Moon: Extreme apps when it comes to what you shouldn’t have
How it works: It takes your Date of Birth and your moon Simple
Story: Emailed and Sponsored deal about this app ( I’ll keep things Private) ( I ignored it)
Example: Im a Pisces , and it tells me what I should invest based on two factors:
– If we match ( spiritual Level) ( Used The App)
– And the earnings
Why I don’t recommend it:
– The best way to find out if a company is a good match is through one questions ( will it make me money )
– You find out by ( balance sheets, 10k forms, income statements and checking all the financials)
Alternative:
Google Finance and Yahoo finance + this great Book. ( Intelligent Investor by Benjamin Graham

Link: https://bullandmoon.com/

2. Earnin: This is a Fancy Pay loan app with advance GPS tracking
How it works: If you need cash and are running low, Earnin will spot you 100 bucks and all you have to do is leave a tip. So you get some of your money before you payday.
Story: I did a review on Earnin that got almost 90 thousand views, and in the video, I went into full detail to why you should get this app. ( If I found this app when I was in college, I would have been in massive financial problems)
Why I don’t recommend it:
– Budgeting Control:
– GPS Tracking + Data:
– Tip/Interest Problem:
Alternative: Create a Budget, and I have a full video on it.
Link to full video review: https://www.youtube.com/watch?v=p41EhD7v7Lo
Budget Link: https://www.youtube.com/watch?v=K2iqN4KT8eo&t=5s

3. Dave
How it Works: It Kind of like earnin apps, except with Dave they only lend up 75 bucks and then you have to repay it when you get paid. But they actually increased it to 100$ ( and you can tip 5%,15% or how much you like)
– Overdraft protection ( Mark Cuban)
– Budgeting assistance
– All this for 1$
Story: If I was on Minimum wage, had a money problem, and was worried about bank fees I still would use this app
Why I don’t recommend it:
Lets supposed you use this app: and you get overdraft protection, and you only pay 1$, and you pay 10% tip every week.
– Math 100 bucks and you pay 10% as a tip = Annual that’s 530 bucks plus 12 for the fee of using the app

Alternatives:
Get online bank with no fees or overdraft fees + a budget.
From 60 bucks to nearly 10k a month

Sofi: https://www.sofi.com/share/money/2652618/
Varo: http://refer.varomoney.com/BDD2N

4. Green dot unlimited 3% trap
How it Works: You get a debit card, and you get 3% for everything you buy online. And 3% savings
Story: When I first heard about it, i was like this is good unless it’s a bait and switch. And well it’s in this video, so you know it was.
Why I don’t recommend it:
– It was only on the first 10k
– It had massive 7.95, and you had to spend 1k online to avoid it
– Cashback giving annually
Alternatives:
Use Credits for cashback
Citi Double cash
Discover it card
Chase unlimited

Full video: https://www.youtube.com/watch?v=JuIgy9W4hkQ

5. Paid Apps:
– Qapital (too expensive)
Pro: It has cool features, but it should be free
Con: 3$,6$,12$ fee ( and no real interest rate)
– Digit ( should be free)
– Mint ( cool for budget, not enough freedom, so I use excel)
– Stash ( Subscription system not a fan of it)
– Clarity Money ( should also be free)

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