292 episodes

Young Smart Money HOSTED BY APPLE CRIDER 🍎 is a Business and Entrepreneurship podcast 🎙 for young entrepreneurs 👶 that contrasts the experiences of startup founders 📈 and social media influencers 📲📷 to help you understand the key differences and determine which appeals to you (if either). 🤷‍♂️💸

Follow along with all things YOUNG SMART MONEY 👶🧠💸 and APPLE CRIDER 🍎 on Instagram @AppleCriderOfficial. Please subscribe to Young Smart Money on iTunes 😍📲 & leave a 5-star review if you gained value from the podcast. ⭐⭐⭐⭐⭐

P.S. I appreciate y'all! 😜

Young Smart Money Apple Crider

    • Business

Young Smart Money HOSTED BY APPLE CRIDER 🍎 is a Business and Entrepreneurship podcast 🎙 for young entrepreneurs 👶 that contrasts the experiences of startup founders 📈 and social media influencers 📲📷 to help you understand the key differences and determine which appeals to you (if either). 🤷‍♂️💸

Follow along with all things YOUNG SMART MONEY 👶🧠💸 and APPLE CRIDER 🍎 on Instagram @AppleCriderOfficial. Please subscribe to Young Smart Money on iTunes 😍📲 & leave a 5-star review if you gained value from the podcast. ⭐⭐⭐⭐⭐

P.S. I appreciate y'all! 😜

    How To Buy A House As A YouTuber | Suzanne Arvabelle

    How To Buy A House As A YouTuber | Suzanne Arvabelle

    If you're a YouTuber or self-employed, you know buying a house is a bit more challenging than it is when you have a job. Qualifying for a mortgage without the steady income of a W2 job can be tough!

    In this video, Suzanne from Arvabelle dives into how she was able to buy a house as a YouTuber and freelancer and the process you can follow to do the same. Whether you are a creator or just an independent contractor with 1099 income, the process you'll want to follow will be largely the same.

    Additionally, we dive into Suzanne's plans to go full-time on YouTube and transition fully out of freelance work, as well as how she manages her personal finances as a YouTuber.

    Enjoy!

    Subscribe to Suzanne! https://www.youtube.com/arvabelle

    Follow Suzanne on Instagram! https://www.instagram.com/arvabelle/

    • 37 min
    Confronting Financial Wolf | How He Made $60,000 Before 18

    Confronting Financial Wolf | How He Made $60,000 Before 18

    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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    TheFinancialWolf

    AppleCriderOfficial

    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

    (if you use these you gotta subscribe...I don't make the rules)

    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 ( https://studio.youtube.com/channel/UCrGDhgrJH1G9CVHY1krv5lQ )

    33:00 What Makes The Financial Wolf Special

    36:30 Who FInancial Wolf Looks Up To

    39:00 Words Of Wisdom

    39:34 Outro

    • 39 min
    I FOUND THE 5 WORST CREDIT CARDS FOR 2021 | NEVER DO THIS

    I FOUND THE 5 WORST CREDIT CARDS FOR 2021 | NEVER DO THIS

    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!

    • 15 min
    What To Do If You Get REJECTED For A Credit Card [step-by-step]

    What To Do If You Get REJECTED For A Credit Card [step-by-step]

    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.

    Add me on Instagram! - AppleCriderOfficial

    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

    • 10 min
    The 5 BEST Credit Cards For Students in 2021

    The 5 BEST Credit Cards For Students in 2021

    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

    • 19 min
    Why You Should NEVER Cancel A Credit Card

    Why You Should NEVER Cancel A Credit Card

    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.

    Follow me on Instagram! - AppleCriderOfficial

    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

    • 11 min

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