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Formed in the Winter of 2010, founding members, Matt Winters and Al Forgey set out to play the songs and recreate the sounds that were tied to their childhood memories. The result: Country and Southern Rock standards made famous by artists like Jason Aldean, Luke Bryan, ZZ Top, Steve Miller Band, The Kentucky Headhunters, Stevie Ray Vaughn, Brooks and Dunn, Randy Houser, Merle Haggard, Lynyrd Skynyrd, Steve Earle and Blake Shelton, just to name a few. Over the past several years, they have evolved into a group that plays what the crowd wants-without straying from their roots. With the unique Country guitar sounds from lead guitarist Matt Winters, the Classic Rock influenced Bass rhythms of Blake Mendenhall, to the distinctive Country driven vocals of Lead Singer and Drummer Al Forgey, Insufficient Funds Band appeals to many audiences. They have played shows that have taken them all over the state of Montana. Some of their accolades include opening for Nationally-known acts like Smith Music Group Recording Artist Bart Crow Band and North Dakota Natives, 32 Below. They have also headlined for the Jack Daniels & XL Country 100.7 Country Showdown in Bozeman, Montana. With 65+ dates booked every year, they have become a sought after staple to many Montana Country music audiences.