These days, there seems to be an app for everything. From the practical ones, like Carrr Matey, which helps forgetful people find their way back to their vehicle in parking lots (albeit in a pirate voice) to the significantly less practical ones like Milk the Cow, which, as its name suggests, gives curious users the opportunity to virtually milk a cow at unbelievably rapid rates. In this sea of modern phone applications, there are also several financial apps that promise to help you attain Rockefeller wealth — or at least somewhere close to it. Acorns is a budget app that actually lets you invest your spare change and improve your financial situation in doing so. Every Dollar is a personal financial app from guru Dave Ramsey that blends budgeting with your bank account to give you a snapshot of where you stand financially. PocketGuard, a budgeting app that acts as your own personal financial advocate, studies your debts and bills and recommends strategies to curb bills and pay down debt more efficiently. Here at Patriot Wealth, we don’t want our clients to shy away from using these apps during the early stages of investing or automating their wealth; these programs can definitely help with the process. But the fact is you can’t rely on an app alone to change your behavior or make smart, well-informed decisions regarding any wealth you accrue. While these apps are created by humans, their technology and mentorship concepts lack human experience. They don’t have the ability to automate smart decisions while simultaneously helping users avoid bad ones. While they are great tools to use, financial apps can’t serve as a stand-in advisor. Unlike us, the technology isn’t forced to navigate the emotional curveballs that life often throws at you as a modern-day investor. This means that it can’t help you make sound decisions based on your real-life circumstances or help you get the most out of your money. Only a human advisor can do that. Let us show you how. BUT THEY LACK A NECESSARY HUMAN ELEMENT FINANCIAL APPS ARE A HELPFUL LEARNING TOOL
OPENING DAY HAMBURGERS
INGREDIENTS
Inspired by Saveur Magazine
• 1 pound ground chuck, 80 percent lean • 4 soft, white hamburger buns, split • 4 1/4-inch-thick tomato slices • 12–16 pickle rounds
• 4 small leaves iceberg lettuce • 4 1/4-inch-thick yellow onion slices • 1 teaspoon vegetable oil • Salt and pepper, to taste • Condiments of your choice
DIRECTIONS
1. Lightly grease a small nonstick skillet with oil. Heat over medium-high. 2. While heating, gently shape meat into four patties 3 1/2 inches in diameter. Be careful to handle the meat as little as possible to prevent tough burgers. Season liberally with salt and pepper. 3. Sear patties on each side, about 1 minute per side. Reduce heat to medium-low and continue cooking until desired doneness, about 1 more minute per side for medium-rare, 2 more per side for medium-well. 4. Let meat rest for a minimum of 3 minutes. 5. To assemble, place patty on bottom bun and top with tomato, pickles, lettuce, and onion (in that order). Spread condiments on top half of bun and place on top of onion. Serve.
PATRIOT WEALTH | 919.322.4113 | P3
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