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The Financial Wolf is one of the fastest growing YouTube creators in the make money online niche at only 18 years old. Today we are sitting down with Will a.k.a The Financial Wolf to talk YouTube growth, side hustle ideas, and the future of his YouTube channel. Enjoy!

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Will's YouTube channel blew up last year when a video called "I Sold Candy At School For 1 Week" got almost 1 million views. Since this video took off, Will has doubled down on his YouTube channel while still being in high school and has been able to scale his channel to over 60,000 subscribers.

At the same time, he has continued to try out different methods of making money for teenagers beyond selling candy at school. Financial Wolf has had success with Shopify dropshipping, reselling, vending machines, and a host of other side hustles.

While pursuing these make money strategies for teenagers, Will has been able to make over $60,000 before turning 18 and document the entire process on his YouTube channel, Financial Wolf.

Teenagers and other students have been drawn to how real Will is in sharing the ups and downs of his different side hustles and being a genuine and relatable teenager himself.

In this podcast interview, Will shares how he was able to make money as a teenager and grow his YouTube channel so quickly. He also breaks down why he succeeded in some businesses like dropshipping, but failed in others like running a social media marketing agency.

Enjoy!

TIMESTAMPS
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0:00 Intro
0:33 The Financial Wolf and Dave Ramsey
1:45 Making $2k Per Month At 15
5:50 Struggles & Failure
9:55 Vending Machines
12:35 The Financial Wolf YouTube Channel
20:05 Selling Candy At School
22:00 Goals & Future Plans
26:00 Financial Wolf's Income Streams
28:00 Question From  @Jake Carlini 
33:00 What Makes The Financial Wolf Special
36:30 Who FInancial Wolf Looks Up To
39:00 Words Of Wisdom
39:34 Outro

These are THE WORST credit cards you will ever find. After spending hours searching through the darkest corners of the internet, these 5 credit cards are hands-down THE WORST in existence.

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Not all credit cards are created equal. Some can be great tools for scoring free travel or getting rewarded for spending you were already doing. BUT some credit cards are absolutely terrible and should be avoided like the plague.

These credit cards charge their user's hefty fees for things they don't need and provide TERRIBLE customer service and support. Many of the companies on this list have BBB and TrustPilot profiles full of complaints from people who were unable to close their card once they realized how bad it was.

Many of the cards on this list are what's known as Fee Harvesters. That means they're going to charge you annual fees, monthly fees, application fees, activation fees, and many more. SO that by the time you actually get a card like the First Premier Bank Gold Card, you will have already paid hundreds of dollars to First Premier and have noting to show for it!

If you're trying to rebuild your credit, it can be easy to get sucked in by these companies promising you a way to do it, but I can tell you there are so many better ways to rebuild your credit than working with one of these companies.

In fact, I have multiple videos on just this topic that will provide you with a list of MUCH better alternatives to choose from. Enjoy!

NO CREDIT CHECK CREDIT CARDS: https://youtu.be/wKrx5HCTCEc
WHAT TO DO IF YOU HAVE ZERO CREDIT: https://youtu.be/uTlOvy62mYI

TIMESTAMPS
(if you use these you have to subscribe...I don't make the rules)
00:00 - Intro
00:45 - #5 Mastercard Gold Card
02:58 - #4 Horizon Credit Card
04:41 - #3 Credit One Platinum Card
07:34 - #2 Continental Finance Mastercard
10:08 - #1 First Premier Bank Gold Card
14:37 - Outro

DISCLAIMER:
The views and opinions expressed herein are those of the author and do not necessarily reflect the legitimacy of these companies. Many elements have been exaggerated for comedic effect. Do your own research and come to your own conclusion. For entertainment purposes only!

Getting rejected for a credit card sucks. But fortunately, you can still get approved for a credit card even if you were initially rejected. In this video, I'll break down how I was able to get approved for 4 credit cards that I was initially rejected for.

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I've been rejected for my fair share of credit cards (at least 6), but of those, I was able to get 4 of the rejections reversed and actually get approved for the credit card on the spot. I was able to do this by calling up the credit card's reconsideration line and making a case for why I should be approved.

A credit card reconsideration line is exactly what it sounds like, a number you can call if you want to be reconsidered for a credit card. Most banks have a recon line that you can call and the process is pretty straightforward.

But, you need to know what to say when you call recon. In this video, I'll give you a script to use when calling a bank's reconsideration line as well as some of the most common reasons why you might get rejected for a credit card and how to prevent these.

By the end of the video, you'll be fully prepared to call the recon line. make your case for why you should be approved for a credit card, and reverse that credit card rejection you got.

TIMESTAMPS

00:00 - Intro
00:37 - What To Do If You Get Rejected
1:02 - The Reconsideration Line
04:18 - Reasons You’ll likely Get Rejected
08:10 - Things To Never Say
10:20 - Outro

Building your credit as a college student is huge, and thankfully there are a ton of good credit cards for college students! Unfortunately, there are also a ton of bad credit cards marketed to college students that you'll want to stay far away from.

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In this video, we'll be going over the best credit cards for students in 2021. College students have way more options than they realize when it comes to choosing a first (or second) credit card, and some of these options flat out suck.

There are a bunch of predatory companies targeting college students for credit cards that will hit them with ridiculous fees and make their lives terrible. But at the same time, there are some amazing student credit cards out there that will let college students build their credit and rack up rewards at the same time.

In order to make it on to the list of best college student credit cards for 2021, each credit card had to have:
1) No fees
2) Easy approval for college students
3) Good rewards potential

All of the best credit cards for students meet these criteria and some go way above them.

Additionally, if you stick around until the end, I'll share with you a pro tip you can use to build your credit FAST as a college student so you can become eligible for a host of amazing credit cards.

Enjoy!

TIMESTAMPS
(if you use the timestamps, you gotta subscribe...I don't make the rules)
00:00 - Intro
00:37 - Criteria For A Good Student Credit Card
00:54 - #5 Tomo Credit Card
03:09 - #4 Journey Student Rewards Capital One
07:49 - #3 Bank of America Cash Rewards For Students
10:38 - #2 Chase Freedom Student
14:38 - #1 Discover IT Student Cash Back
17:50 - Bonus Pro Tip
19:13 - Outro

If you are thinking about cancelling a credit card, you are likely making a big mistake. When you cancel a credit card, you immediately hurt your credit score in a big way. In this video, I'll break down what you should do instead to build your credit score.

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If you have a credit card that you no longer use, you might have thought about cancelling it. I'm here to tell you that this would be a very bad idea. Building your credit score is a process that takes a long time and one misstep can have a huge impact.

Cancelling a credit card is a massive mistake because it negatively impacts all 5 of the criteria that make up your credit score. For a full breakdown of those, check out this video: https://youtu.be/yB-iv6zSsMM

Fortunately, there's a much better solution than cancelling your credit card that is easy to do and will end up boosting your credit score in a big way.

Now if you have a credit card with no annual fee that you are thinking about cancelling, just don't. There is no reason to cancel a credit card that is not costing you anything because keeping it open and just sticking it in your freezer will keep your credit score increasing without needing to do anything.

However, if your credit card has an annual fee, then there is some action you need to take. There's no reason to pay an annual fee on a credit card that doesn't benefit you anymore, so cancelling the thing could seem like an appealing option. But, you don't want to do this because it's going to hurt your credit score.

The better solution is to downgrade your credit card instead. Most people don't realize that many credit cards from big banks exist on a ladder. At the bottom of the ladder are no-fee credit cards that don't earn much for rewards. Then as you move up the ladder, you see cards that will earn you more rewards, and charge higher fees.

Most banks allow people to move along the ladder and either upgrade to better card or downgrade to worse cards by simply calling them up. In this case, you'll want to downgrade your cards instead of cancelling them.

But, before you rush into downgrading a card, there are a number of important rules you'll need to follow including a specific timeline for exactly when you should downgrade it. In most cases, if you try to downgrade a card too early, you'll end up getting flagged by the bank for suspicious activity and may even end up getting your account shut down.

So stay tuned as we break down exactly how to downgrade a credit card the right way. Enjoy!

TIMESTAMPS

00:00 - Intro
00:34 - The Problem With Cancelling Credit Cards
01:00 - Effect On Credit Score
01:42 - Payment History
02:36 - Credit Utilization
03:32 - Age Of Accounts
04:30 - The Better Solution
06:41 - Step-By-Step Timeline
09:27 - How To Do It?
11:38 - Outro

Credit Karma is a free service for checking your credit score. However, Credit Karma also has a host of features that can end up saving you some significant cash. In this Credit karma review, I'll break down how you can use Credit Karma for the greatest effect.

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Most people have heard of Credit Karma before, but most people don't know how to use Credit Karma to increase their credit score. By fully taking advantage of Credit Karma, you can significantly boost your credit score and in turn, save tens of thousands of dollars throughout your life.

Over the last 3 years, I've been able to use Credit Karma to build my credit score from zero to over 800! In this video, I'll break down exactly how I did it and how you can do the same.

One complaint that many people have with Credit Karma is that the credit scores shown are inaccurate and that you're better off using a service like MyFICO. This is incorrect, and the credit scores on Credit Karma are in fact accurate.

However, Credit Karma calculates a VantageScore as opposed to a FICO score. These are two different formulas used to calculate a credit score and both use the 300 - 850 scale. Most lenders will typically pulla FICO score when you're applying for a loan, but some will also use a FICO score.

Fortunately, both scoring models use the same credit score criteria, so when you improve one, you're likely also improving the other. This is why when you apply for a loan or credit card and compare the credit score you get from the bank with your Credit Karma credit score, there may be some differences.

This is not going to be a big deal for most people as the scores will likely be within a few points of each other. Plus Credit Karma is free, which is a big plus over services like MyFICO.

TIMESTAMPS

00:00 - Intro
00:14 - So What Does Credit Karma Do?
00:34 - Credit Karma Features
04:38 - How Does Credit Karma Make Money?
07:11 - So How’s This Gonna Save Me Money?
08:57 - Outro