Young Smart Money

Apple Crider
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Young Smart Money Podcast

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! 😜

  1. 28/12/2020

    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! Add us on Instagram! 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  33:00 What Makes The Financial Wolf Special 36:30 Who FInancial Wolf Looks Up To 39:00 Words Of Wisdom 39:34 Outro

    40 min

  2. 24/12/2020

    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. Add me on Instagram! - AppleCriderOfficial 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

  3. 22/12/2020

    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

    11 min

  4. 17/12/2020

    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. Add me on Instagram! - AppleCriderOfficial 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

    20 min

  5. 30/11/2020

    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

    12 min

  6. 28/11/2020

    How Credit Karma Can Save You $12,394 | Credit Karma Review

    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. Add me on Instagram! - AppleCriderOfficial 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

    9 min

  7. 27/11/2020

    How To Increase Your Credit Score To 800+ FAST

    In this video, I'm breaking down exactly how you can grow your credit score to 800 and above in no time. There are a number of strategies that I have used to quickly increase my credit score over the last few years and today I'm going to show you exactly how I went from 0-800 FAST. Add me on Instagram! - AppleCriderOfficial Increasing your credit score is crucial, especially for people in their 20s who are looking to secure a solid financial future. I started building my credit when I was 18 and by the age of 20, my score had reached over 800. The strategies that I used to create this big credit score increase aren't difficult, but they're also not very popular. There are 5 key credit score criteria that you need to optimize in order to build your credit score. In this video, I'll be breaking down each of these criteria as well as providing actionable strategies that you can use in order to improve each aspect of your score. If your goal is to reach an 800 credit score in 2020 or 2021, this video will give you the tools and strategies that you need in order to be successful. Having an 800 credit score can open so many doors for you. From better rewards credit cards, to lower interest rates on loans, to getting funding for your business, building your credit score is an extremely worthwhile activity. Learning how to increase your credit score FAST will put you on the fast track for financial success and build a solid foundation for the future. Enjoy! FREE TRAVEL WITH CREDIT CARDS: https://youtu.be/LjT3SuO9KqY BUSINESS CREDIT CARDS: https://youtu.be/kHIhzu36o4k TIMESTAMPS 00:00 - Intro 00:41 - Increasing Your Credit Score 02:51 - Payment History 06:02 - Credit Utilization 09:43 - Age Of Accounts 12:59 - Number of Accounts 15:32 - Credit Inquiries 18:03 - Bonus Strategy 21:10 - Outro

    22 min

  8. 26/11/2020

    Why I'm leaving Robinhood

    Robinhood has crossed a line...well a number of lines. I'm leaving Robinhood and never looking back. In this video, I'll break down the 4 reasons I'm pulling my money out of the popular investing app. Add me on Instagram! - AppleCriderOfficial I started investing with Robinhood back in 2017 and was initially really excited about the prospect of a commission-free trading platform. Before switching to Robinhood I was using Fidelity and paying $4.95 every time I wanted to buy or sell a position. The first few months of using Robinhood went well, but later in 2017, the problems with Robinhood started to pop up. The first thing that became apparent to me was Robinhood's reckless business practices. After signing up for the service, the SEC fined Robinhood $1.25 million because Robinhood did not tell investors that they were selling their order flow. Personally, I didn't assume that this was malicious, just that Robinhood was following the Silicon Valley mentality to "move fast and break things" and disclosing their business model to investors wasn't a top priority. However, when I'm holding thousands of dollars at an online brokerage, I'm not sure that I want them to be moving fast and breaking things. Then came the outages. In the beginning of March 2020, there were 2 significant outages that caused users not to be able to log on to their Robinhood accounts for multiple days. As a long-term investor, this didn't impact me too much, but these were some of the best trading days in some time and to be totally locked out from them is a big deal to active traders on Robinhood. Since these March outages, there have been 50+ additional Robinhood outages. Not great. Next comes the gamification. Robinhood's use of confetti and bright colors has armed a new fleet of young men with all of the tools they need to become ineffective day traders. It's been shown time and time again that inexperienced day traders that don't trade for a living consistently lose money over the long-term. The traders on the other side of many of these Robinhood trades are sophisticated traders who are able to profit from the inflows of new money to the markets from Robinhood users. This trains younger people to think of the stock market as a gambling machine and a losing game which is not something I'm about. Last big strike is the hacks. Recently, around 2,000 Robinhood accounts were hacked and drained of all the cash within them. Robinhood's support was unable to help users who saw unauthorized transfers out of their Robinhood accounts and has yet to provide any solution to these Robinhood users who are currently out thousands of dollars. So I'm leaving. And I'm moving all of my investments over to Fidelity. As a time-tester brokerage that already holds my retirement accounts, I figure it just makes sense to consolidate all of my investments over there. Fidelity has the core features of Robinhood that I like: fractional shares, commission-free trades, DRIP and will get the job done for me. Now it's up to you whether you want to keep investing with Robinhood, but I'd recommend you to stay on top of the news as it relates to the places you keep your money. You worked hard for it after all! TIMESTAMPS 0:00 Intro 0:35 What Robinhood Did Well 1:46 Robinhood's Reckless Business Practices 3:53 Robinhood's Repeated Outages 5:56 Robinhood's Gamification of Investing 10:10 Robinhood's Repeated Hackings 12:23 Where I Am Moving My Money 14:07 Outro

    14 min
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About

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! 😜

Information

  • Creator
    Apple Crider
  • Years Active
    2018 - 2020
  • Episodes
    294
  • Rating
    Clean
  • Copyright
    © Apple Crider
  • Show Website
    Young Smart Money

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