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

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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

(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

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

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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

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.

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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

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.

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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

No this is not clickbait, and yes I did fly from Minneapolis MN to Bangkok Thailand for the cost of a couple of Chipotle burritos.

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In this video, I’m going to break down exactly how I did it and give you a simple 5 step framework you can follow to score yourself super cheap plane tickets to travel around the world when you want for the rest of your life.

Plus, if you stick around until the end, I’ll show you where to find some of the best deals around when it comes to “almost free” travel.

Sound cool? Let’s dive in.

So I graduated from college about a year ago and I knew that once I graduated I wasn’t looking to get a job. I’d been running businesses throughout college and once I’d gotten a taste of doing my own thing, I knew there was not a chance I’d be giving that up.

So when November rolled around and I was about a year away from graduating, I started to think about where I wanted to live and realized that I really had the potential to live anywhere. I decided that Thailand was as good a place as any to start and within a week I had a one-way ticket to Thailand booked for after graduation that only set me back $20.

To get this plane ticket, the trick was credit card points. Now I think a lot of people have a negative association with credit cards and for good reason. Believe it or not, I think most people would do well to avoid the credit card rewards game because it can be very dangerous if you don’t know what you’re doing. But, if you can practice a decent amount of self-control and follow a few relatively simple guidelines, it’s not at all difficult to replicate what I did.

So if you’re still with me, let’s dive into the 5 step blueprint for securing your own $20 ticket to anywhere in the world.

The reason this kind of traveling is “almost free” is because the airlines will let you buy your entire plane ticket in points, but they’ll make you pay the taxes in cash since Uncle Sam doesn’t accept frequent flier miles.

The bonus I got from my United Explorer was more than enough to cover my ticket to Thailand and only pay $20 in taxes, and through my other credit cards, I had more than enough points to get home.

COMMENT BELOW with where you would go if you could travel "almost free" with credit card miles!

TIMESTAMPS

00:00 - Intro

01:23 - Background

02:08 - Step 1: Have A Decent Credit Score

03:05 - Step 2: Pick Your Airline (or don’t)

05:02 - Step 3: Find Your Card

06:42 - Criteria #1: Willingness To Pay An Annual Fee

08:12 - Criteria #2: Ability To Meet Sign Up Bonus

09:08 - Step 4: Meet The Sign-Up Bonus

10:44 - Step 5: Rinse & Repeat

11:58 - Outro

Now in general, I’m not a fan of paying for a credit score and generally think it’s best to just be patient and build it over time. But I think it might make sense for some people who are thinking of applying for a significant loan or mortgage in the near future.

So in this video, I’m going to break down how you can buy a 730+ credit score with only about $25.

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So if you’ve heard anything about buying a credit score before, you’ve probably heard of buying tradelines. I give that a big thumbs down because you’re essentially paying someone to add you to a line of credit that they have had established for a while.

These are deceptive, can cost thousands of dollars, and may sometimes qualify as bank fraud. So let’s steer clear of that.

Instead of potentially committing a crime, I’m going to fill you in on a way to “buy” a credit score that is 100% by-the-books and approved of by banks as a legit way to establish your credit. This is by reporting your bill payments to the credit bureaus.

Your credit score is largely a measure of your ability to make on-time payments (this makes up 35% of your credit score), so many banks are willing to take your cell phone payment and utility bills into account when calculating your score.

This can be an ideal solution for people in the Dave Ramsey “credit cards are evil” camp because it allows you to build credit without the use of credit cards or the potential to get into debt.

Now, you personally can’t just start editing your credit report and adding your Netflix payment to your credit report, but there are a number of companies that will allow you to do just that. One of them is a completely free option, and the other is going to run you $24.95 per year.

The free option is Experian Boost and it is a service provided by the credit bureau Experian to “boost” your credit score by linking to your bank account, finding the monthly bills you pay and subscriptions you are on, and reporting these on your Experian credit report. These are only going to show up on your Experian report and not on your TransUnion or Equifax reports. So if you’re in the market for applying for a loan, it might be worthwhile to ask the lender which report they’ll use before you sign up for Experian Boost.

But what about the downsides?

Well, Experian Boost only reports positive payments which might seem like a good thing but lenders aren’t a huge fan of this. Imagine if every time you paid late on a credit card or went into default you could just opt out of putting that on your credit report. Kinda makes the whole system not very useful. So some banks don’t value Experian Boost as highly as typical on-time payments.

The paid option for increasing your score is similar but likely to have a bigger impact. This is called eCredable. eCredable is going to work with your TransUnion report instead of your Experian report and is generally looked at more highly by lenders. That’s because they don’t plug into your bank account.

Instead, eCredable plugs into your utility and phone bill accounts to track your payment history. As a result, they’re going to be reporting on-time payments as well as late payments so lenders will know they’re getting the full picture. Additionally, eCredable pulls back the last 24 months of payments across an unlimited number of accounts which can have a really big impact for someone with low-or-no credit.

On their site, they estimate that a person coming in with no credit could see their score jump to over 730 with only 3 bills that they have paid on-time for 12 months. That’s a huge jump and enough to make you eligible for many of the best rewards credit cards out there.

In the end, I think that both of these services have a use case for people who need to build their credit from scratch and are looking for a better option than a predatory credit card. Experian Boost is free and the biggest downside is that it won’t impact your score at all, so if you’ve got a thin credit file and pay bills from your bank account, it might be worth it to take a couple minutes to sign up and see what happens.

eCredable does cost $25 per year which is more than zero, but if you are planning on applying for a loan relatively soon, paying $25 to boost your credit score by a potentially significant amount could end up saving you thousands of dollars or more.

Personally, I don’t use either of these nor am I incentivized to get you to sign up, but I do think they make much better options than buying tradelines or paying someone $200 to remove a credit inquiry off of your report.

TIMESTAMPS

0:00 Intro

0:40 How NOT To Buy A Credit Score

1:30 How Buying A Credit Score Works

3:00 The Free Option (Experian Boost)

5:10 The Downside Of Experian Boost

6:55 The Paid Option (eCredable Lift)

8:25 How To Boost Your Score To 700+

9:30 Who Should Use This Strategy?

10:45 Other Routes For Increasing Your Credit Score

11:40 Outro

in this video I’ll be diving deep into the no-credit-check Tomo Credit Card and give you the full picture and why you might want to tread lightly around this credit card company.

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So I interviewed one of the co-founders, Kristy Kim, back in mid-2019. Since then they’ve gone on to go through the Barclays Accelerator (powered by TechStars), raise a few million dollars, and build a team of a dozen or so people. All that to say that although this is a newer company, they’re not totally fly by night.

You’re not going to find Tomo Credit listed on BBB though, that’s largely due to the fact that they only

Now I’m a big fan of the core offering of Tomo core offering, however, there’s a pretty significant issue that I see when it comes to the longevity of this company.

Most of you know that the offering consists of a no-credit-required credit card that does not run a hard inquiry on your credit report. This is typically only a feature you will see with secured credit cards, but this is not (technically) a secured credit card.

How the Tomo Credit Card works is by evaluating other factors like your employment and bank account balance and activity to determine your financial behavior and if you’d be a good fit for the card. This means they aren’t even looking at your credit so no credit pull is necessary.

Now once you get approved for the card, this is where things really start to get interesting. One of the card’s big claims to fame is that they don’t charge interest, and this is true. There will be no interest rate on your Tomo Credit card.

So like I said, your Tomo Credit Card isn’t going to behave like a credit card and that’s because it’s a charge card. Except with a charge card, you generally won’t have a limit and your payment will be due every month. With Tomo, you do have a limit and your payment is due weekly. You also won’t see any late fees like you would with charge cards. That’s because your Tomo Credit Card will be set up to automatically pay itself off every 7 days.

So so far it seems like we’re looking at wins all around for the Tomo Card, so what’s the catch? Well no late fees and no interest seem awesome for beginners with building credit, there are actually a couple of reasons why this might not be such a great thing.

This comes back to the business model of credit cards. Credit card companies typically make money in three ways: interest paid by consumers, fees paid for things like late payments balance transfers and annual fees, and the small fee that merchants are charged when they accept credit cards.

According to the Consumer Financial Protection Bureau, the majority of these revenues come from the interest that credit cards are charging, which makes sense with the average interest rates at 18% and the average American carrying over $6,000 in credit card debt at any given moment.

Tomo Credit has essentially cut off the two most profitable revenue streams available to them and now relies 100% on the swipe fees that make up the vast minority of revenue for most credit card issuers.

So this leads to one of my main concerns with Tomo Credit, as it stands now, their business model doesn’t make sense. They would need so many of these cards in circulation being used extremely regularly just to break even, and that is not the case today.

The typical interchange fee that credit card issuers receive can vary from 1% on the low end all the way up to 3% on the very high end. For example’s sake, let’s say that Tomo is getting 2% from all transactions. This is their only revenue stream. They are also paying anywhere from 1% - 20% cashback to their users which could potentially result in negative cashflow on each transaction if enough people were earning the higher rates (you earn a higher rate by referring friends). On top of that, processing and relationship fees can eat out another 15% of their interchange, fraud and losses will eat up a few more percentage points of their revenue, and then they’ve got to have enough left over to pay their people (they just hired another developer in San Francisco for $85k - $150k) and spend on marketing.

TIMESTAMPS

0:00 Intro

0:25 Background On Tomo Credit

1:20 The Tomo Credit Card

2:35 Why The Tomo Credit Card Isn't A Credit Card

3:55 What's The Catch?

5:45 Problems With Tomo's Business Model

9:00 Future Potential Changes To Tomo

9:55 How Tomo Might Respond To My Concerns

10:55 Another Concern On The Tomo Credit Card

12:25 Advice To Those Considering The Tomo Credit Card

13:20 Outro

These are the Top 5 WORST Money Mistakes to avoid in your 20s. If you can avoid these money traps as a college student and into your 20s, you'll be able to set yourself up for long-term financial success. Enjoy!

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In this video, I'll be breaking down the 5 largest mistakes that I see people in their 20s making on a regular basis. While I was a college student, I saw tons of my peers falling into these money traps and severely hurting their finances from a few simple mistakes.

Fortunately, it's very easy to avoid these mistakes and instead form good financial habits in your 20s. By the end of this video, you'll have a blueprint you can follow for how to be good with money in your 20s and beyond!

If you have any additional money mistakes you think I missed, or you disagree with any of them, let me know in the comments! I'm always curious to hear what you think :)

TIMESTAMPS

00:00 - Intro

00:30 - Not Taking Risks

02:09 - Buying A New Car

05:01 - Burning Through Savings

07:43 - Living Above Your Means

11:05 - Not Investing

13:50 Outro

Joe Biden's tax plan, while tailored specifically to increase taxes for the wealthy, will almost certainly impact your tax situation. In this video, I break down the full implications of Joe Biden's proposed tax plan and what that means for you.

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With Joe Biden's stance on taxes being quite a bit different from Donald Trump's we can expect some significant changes in tax policy during the next administration. In general, this means higher taxes across the board but specifically targeted at high-income earners.

Joe Biden's tax plan specifically identifies individuals making $400,000 or more as high-income earners and these individuals will take most of the increases in individual income tax. Some high earners will even see their combined marginal tax rate rise to over 60%, the highest we have seen since the 1980s.

However, there are also a number of changes likely to come to investment taxes, gift and estate taxes, and corporate taxes that will impact those not making $400k or more.

Under Joe Biden, capital gains rates will almost certainly rise for individuals making over $1 million per year. These folks will likely see their capital gains rates rise to their income tax rates, resulting in a potential sell-off in the markets as investors lock in lower capital gains rates.

At the same time, Biden has stated he would like to lower the gift and estate tax exemption from over $11.5 million down to $3.5 million. The top gift tax bracket would also rise from 40% to 45%.

There are also a number of changes likely showing up in the step up in basis rule that would eliminate this feature of the tax code and corporate income taxes that would result in large companies paying more in taxes.

In addition, there are a number of additional credits and deductions that Biden hopes to expand including the child tax credit and childcare tax credit. Most of the credits on Biden's agenda would aim to benefit lower-income earners.

TIMESTAMPS

0:00 INTRO

0:46 Disclaimer

0:58 Changes To Individual Income Taxes

2:20 Changes To Social Security Taxes

3:15 60% Marginal Tax Bracket Example

4:42 Other Changes To Individual Income Taxes

5:44 Changes To Capital Gains Taxes

7:14 Eliminating Step Up In Basis

8:36 Changes To Gift and Estate Taxes

9:55 Changes To Corporate Income Taxes

12:25 Proposed Tax Breaks From Joe Biden

12:40 Child Tax Credit

13:33 Childcare Tax Credit

14:00 Other Proposed Tax Breaks

15:09 Outro

Ryan Scribner was one of the first personal finance YouTuber's to make it big. Through spreading financial tips and investing strategies, Ryan was able to establish himself as a leader on the platform. Today we'll be diving into Ryan Scribner's Top 10 Financial Tips!

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In this video, we'll be highlighting some of Ryan Scribner's top financial tips for people in their 20s. While these tips don't just apply from the ages of 20 - 30, they are tailored towards younger people who are just getting started out on their journey into personal finance.

Growing up, it's tough to find high-quality personal finance information. If you're not lucky enough to be born to parents that have their finances figured out, you're kinda just on your own. It's made even harder to find valuable information given the surge of bad actors giving out BS information in an effort to convince you that your hard-earned cash would be better off in their pocket.

As a 26-year-old who has created significant online income streams and makes YouTube videos for a living, Ryan's words have a lot of weight behind them. He's clearly not just another fake guru blowing smoke and trying to sell you on a course. While he does sell courses, they are on subjects he knows extremely well (investing and affiliate marketing) and his business model does not revolve around shoving these down people's throats.

Ryan is a powerhouse of content, which is why I decided to make this video. With over 350 videos published to date, it would take months if not years to fully dig through Ryan's content. So in this compilation video, I went ahead and rounded up 10 of the cornerstones of Ryan's personal finance philosophy to share with you.

Timestamps for each tip, are down below. So, once you're done with the video feel free to take a deeper dive into any of them! And for goodness sake, if you're not already subscribed to Ryan go subscribe!

P.S. don't forget to smash the like button for the YouTube algorithm ;)

00:00 - Intro

01:21 - Create Passive Income

02:28 - Saving = Losing

04:45 - Invest in Assets

07:03 - Don't Look Rich

09:52 - Don't Follow The Herd

11:21 - Look At Both Sides Of The Equation

14:44 - Use Optimal Investing Accounts

16:25 - Be Wary of Optimism

17:29 - Small Consistent Actions

19:31 - Final Thoughts

Opening a Roth IRA is hands-down the smartest financial decision a person can make in their 20's. However, the question of how to open a Roth IRA stops many investors in their tracks. By the end of this Fidelity Roth IRA tutorial, you'll have a step-by-step blueprint for exactly how to open a Roth IRA account!

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By opening a Roth IRA at a young age, you can set yourself up for long-term financial success. That's because of the numerous tax advantages that Roth IRAs offer to investors. If you play your cards right, opening a Roth IRA could allow you to pay no taxes on your investments!

But when it comes to how to open a Roth IRA, there are a ton of Roth IRA providers out there to choose from. It's important to think carefully about this choice because not all Roth IRAs are created equal! Some Roth IRA providers will have strict fees and minimums that will eat away at your retirement account. Other IRAs will force you to mail them a check just to make a deposit!

Personally, I opened my Roth IRA with Fidelity because they offer a Roth IRA with no fees or minimums and provide the greatest investment selection out there. In this video, I'll be walking you through exactly how to open a Roth IRA with Fidelity. 

Opening a Fidelity Roth IRA is a painless process that takes under 5 minutes and will get you up and running with a retirement account quickly. Compared to many of the other Roth IRA providers out there, Fidelity Roth IRAs come out on top due to the longevity of Fidelity and their history of providing low-cost options for investors.

Feel free to drop a comment with any questions about how to open a Roth IRA that I missed and I'd be happy to help out!

Roth IRA Explained - https://youtu.be/Htc9Sk-XXGk

Roth IRA vs. Traditional IRA - https://youtu.be/gcekCrBAQaI

TIMESTAMPS

00:00 - Intro

00:46 - What is a Roth IRA?

02:32 - What should I look for in a Roth IRA provider?

04:38 - Who are my Roth IRA provider options?

07:31 - How To Open a Roth IRA Step-By-Step With Fidelity

09:27 - Final Thoughts

I got rejected for the Chase Ink Preferred Credit Card... Coming in with an 800 credit score this came as a bit of a shock especially because I had already been approved for the Chase Ink Preferred in the past.

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In this video, I'll be breaking down exactly why I got rejected for the Chase Ink Business Preferred credit card so you don't have to. After a long history of getting approved for Chase credit cards (both business and personal), getting rejected for the chase ink preferred kinda threw me off.

In hindsight, it was clear that I wasn't going to get approved for this card even though I had an 800 credit score. That's because of two big factors that I overlooked before applying for this business credit card from Chase.

By the end of this video, you'll know exactly what those two reasons were for getting rejected for the Chase Ink Preferred as well as how to avoid making the same mistakes I did.

The Chase Ink Preferred is far and away one of the best small business credit cards out there, so hopefully after watching this video you'll be able to go out there and get approved for one yourself!

Apply for the Chase Ink Preferred - applecrider.com/cip

TIMESTAMPS

0:00 INTRO

0:49 My First Credit Card Rejection

1:15 My History With Chase Credit Cards

1:55 Applying For The Chase Ink Preferred

2:25 Reason #1 Why I Got Rejected

3:30 How To Address Reason #1 With Recon

4:30 Reason #2 Why I Got Rejected

5:30 How To Address Reason #2 With Recon

6:15 How To Get Approved For The Chase Ink Preferred

7:05 Outro

Getting approved for business credit cards as a new business can be tough. Business credit cards often have confusing application processes that trip up new business owners. In this video, I'll be breaking down the business credit card approval process so you can get approved for any business credit card!

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Building credit as a new business is extremely important. There are so many benefits to establishing business credit and one of the easiest ways to get started is by opening a business credit card. Business credit cards can help new business owners get off the ground by providing access to capital to help them get started.

Additionally, business credit card rewards are some of the best out there. Personally, I've gotten thousands of dollars of free travel just through business credit cards.

In this video, I'm walking through a Chase Ink Preferred credit card application to show you exactly what you need to know to fill out applications and get approved for business credit cards. 

From knowing what to put for business income on a credit card application, to whether to use an EIN or social security number on the application, there is a lot to know. If you follow along and fill out your business credit card applications using the information in this video, the odds you'll get approved for that business credit card will go up dramatically.

I'll also be sharing with you two of the most common reasons why people will not be automatically approved for business credit cards along with what to do if one of these things happens to you. 

By the end of this video, you'll know exactly how to get approved for any business credit card whether you are a brand new business or have been in business for years and have multiple business credit cards already.

Enjoy!

TIMESTAMPS 

0:00 INTRO

1:07 Going Through The Chase Ink Preferred Application

1:41 Using your Social Security Number

2:25 What To Put For Gross Income

6:15 Applying With EIN vs. Social Security Number

9:43 What To Put For Annual Business Revenue

11:25 What To Put For Business Category

11:50 Ecommerce Company Example

12:20 Digital Marketing Agency Example

12:49 What To Put For Estimated Monthly Spend

14:07 Using Business Credit Cards For Personal Spending

14:45 Reason #1 You Won't Get Automatically Approved

15:55 Reason #2 You Won't Get Automatically Approved

16:48 Outro

Here is everything you need to know about business credit cards in order to take full advantage of business credit in 2020. In this business credit cards for beginners video, I'll be sharing the 6 things you must know before applying for a business credit card Enjoy!

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Business credit cards are kinda complicated... From the rules around who can get them, to how they impact your credit score, to how to get a higher limit on them there’s a lot to know.

And business cards are not something to ignore. The unique perks that business cards can end up scoring your business interest-free loans, building your business’s credit, and my personal favorite, scoring you a ton of free travel.

By the time this video is over, you’ll know exactly how to take full advantage of business cards and have actionable strategies you can use to maximize the perks they have to offer.

Plus: if you stick around until the end I’m going to show you a major mistake that most people make that prevents their business from building credit!

In order to explain business credit cards simply, there are 6 key questions that need to be answered.

#1 - Who can apply for business credit cards?

#2 - How is your personal credit impacted by business credit cards?

#3 - How are credit limits determined for business credit cards?

#4 - Do I need to sign a personal guarantee for my business credit card?

#5 - How do I separate my expenses on a business credit card?

#6 - Do I have the same protections with business credit cards?

During this video, we'll be answering these business credit card questions, as well as walking you through how to open a credit file for your business. unlike your personal credit report, you need to manually open a credit report for your business. This is an often overlooked step and will actually prevent your business from building credit even if you have business credit cards.

So sit back, relax, and let's dive into how to get business credit cards for beginners!

TIMESTAMPS

0:00 INTRO

1:00 Who Can Get A Business Credit Card?

1:53 Business Credit Cards Impacting Personal Credit

4:27 Business Credit Card Credit Limits

6:15 Personal Guarantees For Business Credit Cards

7:44 Personal vs. Business Expenses

10:32 Protections For Business Credit Cards

12:15 Opening A Business Credit File

14:13 Outro

Caleb Boxx is an expert at YouTube automation and scaling cash cow YouTube channels. Today we are sitting down with Caleb to learn how he scaled his YouTube channels to $100,000 per month and how to make money on YouTube for beginners.

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Over the last 4 years, Caleb Boxx has been building YouTube channels and perfecting the process of YouTube automation. Today he runs a massive YouTube business and oversees over 100 freelancers and content creators that pump out YouTube content across dozens of channels.

In our conversation, we discuss how Caleb got started in building YouTube channels and how relationships with famous YouTubers like MrBeast and Preston allowed him to rapidly scale his operations.

The interview is action-focused and Caleb provides viewers will action steps that they can take in order to get started with YouTube automation. Caleb breaks down exactly how to come up with YouTube content ideas, how to pick a niche on YouTube, and how to make money on YouTube by taking advantage of the YouTube algorithm.

There is a ton of valuable YouTube growth content here for creators large and small. We dive into the differences between compilation YouTube channels (which still work) and the "safer" option that Caleb is spending more of his time focusing on. Additionally, Caleb breaks down step-by-step how to get started on YouTube for beginners.

Caleb also dives deep into his process for fully automating all of his channels by hiring freelancers and how he has been able to scale many of these channels to 7 figures.

If you have been thinking about getting into YouTube automation or building cash cow YouTube channels, you'll want to listen up to this conversation with YouTube expert Caleb Boxx.

Enjoy!

TIMESTAMPS

0:00 Intro To Caleb Boxx

1:45 How Caleb Got Started On YouTube

5:40 Scaling With Freelancers

7:00 How Caleb Blew Up On YouTube

8:30 Do Compilation Channels Still Work?

9:45 Copyright Rules For Cash Cow YouTube Channels

13:35 Catching Trends on YouTube

16:00 Picking Your Niche

17:30 Breaking Down A Successful YouTube Video

19:50 Growing A New Channel From $0 - $7k Per Month

23:20 How Often To Post On YouTube

24:50 The Secret To Viral Video Ideas

25:50 The First Step For YouTube Beginners

28:50 Most Common YouTube Mistakes

30:15 Buying YouTube Channels vs. Building From Scratch

33:20 When To Start A Second YouTube Channel

34:55 Closing Thoughts

Yotta Savings has been exploding in popularity lately and it's not why you might think... In this video, I'll be reviewing the Yotta Savings app as well as showing you inside my $40,000 Yotta Savings account.

Sign up for Yotta Savings here! - https://www.applecrider.com/yotta (get 100 bonus tickets)

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The Yotta Savings app has been gaining massive popularity in the last few weeks since Graham Stephan's popular "I just bought a bank" video. Since the release of this video, there have been dozens of other videos talking about the Yotta Savings app. However, I think most of these videos miss the bigger point.

This Yotta Savings Review will peel back the curtain on the real reasons why Yotta Savings is blowing up so quickly. This app has pioneered a new formula for growth and it is proving to be very successful. I believe many other fintech apps are going to take notice of the Yotta Savings growth strategy and follow suit.

Additionally, we'll be addressing many other things about Yotta Savings, how it works, where the idea came from, and how Yotta makes money.

Every week, Yotta winners are announced and have the potential to win up to $10 million. On my $40k account I'll be showing you exactly how much I have won from Yotta Savings so far and how winners are chosen.

It's also important to keep I'm kind how Yotta Savings taxes work. Yotta winnings are not treated the same way as normal investments. By participating in Yotta Savings, you have the potential to pay a significant amount in taxes. So be sure to watch until the end to find out how that works!

TIMESTAMPS

00:00 - Intro

00:54 - Prize-Linked Savings Accounts

03:10 - How Does Yotta Work?

04:32 - Yotta Savings is NOT a Bank. What This Means...

06:08 - Why Yotta is Suddenly Blowing Up

08:42 - My $40k Yotta Account

11:50 - Taxes on Yotta Winnings

13:21 - Final Thoughts

Over the last few years, Graham Stephan has established himself as the YouTube authority when it comes to personal finance. From real estate investing, to credit cards, to the state of the economy, millennials and other young people turn to Graham for financial advice. But what are some of the core tenants of the Graham Stephan personal finance philosophy?

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In this video, we'll be highlighting some of Graham Stephen's top financial tips for people in their 20s. While these tips don't just apply from the ages of 20 - 30, they are tailored towards younger people who are just getting started out on their journey into personal finance.

Growing up, it's tough to find high-quality personal finance information. If you're not lucky enough to be born to parents that have their finances figured out, you're kinda just on your own. It's made even harder to find valuable information given the surge of bad actors giving out BS information in an effort to convince you that your hard-earned cash would be better off in their pocket.

As a 30-year-old who has already achieved multi-millionaire status, Graham's words have a lot of weight behind them. He's clearly not just another fake guru blowing smoke and trying to sell you on a course. While he does sell courses, they are on subjects he knows extremely well (real estate and YouTube) and his business model does not revolve around shoving these down people's throats.

Graham is a powerhouse of content, which is why I decided to make this video. Across his 3 YouTube channels, he's putting out at least one new video every day which is a ton of content for anyone to take in. Hopefully, this highlight reel will give you a feel for some of Graham Stephan's financial philosophies and motivate you to start taking action.

Timestamps for each tip, as well as links to each of the videos referenced, are down below. So, once you're done with the video feel free to take a deeper dive into any of them! And for goodness sake, if you're not already subscribed to Graham go subscribe!

P.S. don't forget to smash the like button for the YouTube algorithm ;)

00:00 - Intro

01:16 - Track Your Expenses

03:06 - Open A Roth IRA

06:36 - Get a Credit Card

09:11 - Keep Your Spending Consistent

12:09 - Think About Future Value

13:53 - Make More Money

17:41 - Reconsider College

19:51 - Start Investing Early

21:38 - Open A High Yield Savings Account

24:32 - House Hack

26:06 - Final Thoughts

How to make passive income online in 2021. These passive income ideas aren't the same old ideas you see recited over and over again on YouTube. You've already heard about those ways to earn passive income and if you wanted to do those, you already would have.

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These passive income ideas for 2021 are unique which is one of the reasons they work. If you use the same old ideas for making money online that everyone else has been using for years, it's going to be a lot harder to get started. Many of these old ideas are saturated and getting started with them has become virtually impossible.

In order to see real success with making passive income online, you need new ideas. You need to think outside the traditional passive income methods and try things that are different. After watching this video, you'll have a new list of passive income ideas that you can try out, along with the knowledge you need to get started with any of them.

It's important to keep in mind with any passive income stream that you're going to need to put in some leg work up from. If anyone is trying to sell you on a magic money printing machine, it's probably either illegal, a scam, or both. When something sounds too good to be true, it probably is.

Creating passive income streams requires investing either time, money, or a combination of the two. When you invest your time to build a passive income stream, you might need to develop a new skill or learn how to do new things. This knowledge will pay off in time as you earn passive income and see the fruits of your labor.

If you don't have much time to invest in a passive income idea, you'll need to invest your money. This could be in the form of hiring others to build the passive income stream for you or buying assets that will provide you with cashflow.

Either way, passive income streams won't take off overnight. However, once the method for earning passive income has been set up, you'll be able to sit back and relax knowing that you're consistently making money online.

While there are millions of passive income ideas you can choose from, they only work if you do. You can watch videos like this all day long, but if you don't take action on something you're never going to start earning passive income.

So once you finish this video, pick one of these methods, and get started! It doesn't matter if this passive income idea is the one you stick with for the rest of your life, but at least stick with it for 3 months to give it a fair chance.

Once you decide which passive income idea you're going to start in 2020, COMMENT BELOW with what you're going to do so that we can all support each other.

Best of luck!

00:00 - Intro

01:07 - Create an Alexa Skill

04:06 - Rent Out Your Car

05:45 - Cash Cow YouTube Channels

07:22 - Build a Niche Website

09:02 - Print On Demand Business

10:25 - Creating an Online Course

12:23 - Starting a Podcast

14:15 - Vending Machines

16:48 - Sell Stock Footage

18:23 - Rewards Credit Cards

Becoming a Certified Financial Planner is no easy task. The requirements for CFP certification are arduous and take years for financial planners to meet. In this video, we'll be breaking down exactly what goes into becoming a CFP and how to meet the requirements for certification.

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A CFP or Certified Financial Planner is the premier designation for financial planners. Working with a certified financial planner assures you that the person sitting across from you is competent and is bound by a stricter ethics standard than your standard financial advisor.

In order to become a CFP, there are 4 requirements that all CFP candidates need to fulfill. These are the education requirement, the exam requirement, the experience requirement, and the ethics requirement. While there is not a strict order that they need to be fulfilled in, typically the education requirement comes first and is followed by the exam and experience requirements that are sometimes completed simultaneously. The ethics requirement is an ongoing commitment to a high ethical standard that always needs to be maintained.

In order to meet the CFP education requirement, you'll need to go through a CFP Board registered program that covers the core topic areas of financial planning. Many colleges now offer CFP Board certified degrees that allow students to have completed the education requirement upon graduation. Personally, that's what I was able to do at UW Madison so that immediately upon graduation OI was ready to sit for the exam.

The CFP Exam was hands-down the hardest exam I have ever taken. Cumulatively, I spent over 500 hours studying for this exam (which probably adds up to more time than I spent on studying all throughout college). The exam is 6 hours long and contains 170 questions ranging from taxes, to ethics, to investments, to estate planning, and a whole lot of other financial topics. After passing the exam, you'll need to start racking up experience in the field before you can start calling yourself a CFP.

Meeting the CFP Experience Requirement consists of accumulating over 6,000 hours of work in the field. This equates to about 3 years working full-time. If it weren't for this pesky requirement, I'd already be able to call myself a CFP, but because I haven't accumulated enough hours yet, I can't use the marks yet.

Last is the ethics requirement. Being a CFP, you are held to a higher ethical standard than other financial professionals. As a CFP, you are required to put the best interests of your clients above your own. While some would argue this is just common sense (myself included), just because someone holds themselves out as a "financial advisor" doesn't mean they have to only think about what is best for you. They might be swayed to make recommendations based on which products make them the most commissions. Not great.

Once you have met all 4 of these requirements (and paid some money to the CFP Board), you can now legally hold yourself out as a CFP, add the letters to the end of your LinkedIn profile, and get to work!

I hope you found this video helpful and if you are considering going down the path of becoming a certified financial planner, I am wishing you all the best!

TIMESTAMPS

0:00 – Intro

2:10 – How To Become A CFP

2:20 - Education Requirement

4:22 – Exam Requirement

6:57 – Experience Requirement

10:06 – Ethics Requirement

Starting a side hustle is one of the best ways to make money online and start building passive income streams. In this video, we're going over 6 of the least common side hustle ideas for you to start in 2020.

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TONOR Q9 USB Microphone Kit   20% off code: SmartMoney20  

Amazon Link: https://www.amazon.com/dp/B07JMYG6LF

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2020 has been wild. Many of us have seen reductions in our income and are looking for creative ways to start making money online to keep ourselves afloat. Personally, I believe there has never been a better time to start an online side hustle. With more and more people spending more time online every day, a whole host of new opportunities have opened up to young entrepreneurs willing to think outside the box.

The side hustle ideas I'll be sharing in this video are not your typical online side hustles like filling out online surveys or selling services on Fiverr. While these side hustles can work for some people, you already know about them and if you were going to start doing them you already would have started.

My objective with this video is to make you aware of some new side hustle ideas that you haven't thought about before. Many of the side hustles I'll be talking about can earn you anywhere from $25 - $100 per hour without significant startup costs or experience required.

One thing that I truly believe in is the more creative you get, the easier it is to make money online. So while there are only 6 side hustle ideas in this video, I would recommend you take these side hustles and think about ways you can adapt them or create new side hustles that are inspired by these. That is where you're going to get the most bang for your buck and have the greatest potential to generate passive income.

Last, it's important to remember if something sounds too good to be true, it probably is. There are more and more bad actors popping up online trying to sell you a pipe dream about the next big side hustle or passive income opportunity. It's never been more important that you do your homework before trusting something you hear online and especially before handing over any of your hard-earned cash.

But that's enough from me. I hope by the end of this video you'll have some new side hustle ideas and take action on turning them into a reality. Enjoy! 

TIMESTAMPS

0:00 INTRO

1:00 Side Hustle Idea #1 

3:28 Side Hustle Idea #2

5:09 Side Hustle Idea #3

6:59 Side Hustle Idea #4

10:22 Side Hustle Idea #5

13:39 Side Hustle Idea #6

How does a Roth IRA work and do you need one? In this video, we're breaking down the core elements of a Roth IRA so that you can quickly and easily evaluate if opening a Roth IRA is right for you.

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A Roth IRA can be one of the most effective retirement accounts for young people looking to become tax-free millionaires. That's because of the numerous tax advantages that Roth IRAs give investors.

First, it's important to understand that the money you put into your Roth IRA is money that you have already paid taxes on. This is one of the key differences between a Roth IRA vs. Traditional IRA. With a Traditional IRA, you are saving pre-tax money. With a Roth IRA, you are saving post-tax money.

The impact of this is that while with a Traditional IRA you will have to pay taxes when you withdraw your money in retirement, a Roth IRA allows you to make tax-free withdrawals provided you follow the rules (more on those later).

In addition to your money growing tax-free, you'll also be able to access the cash you deposit into this retirement account whenever you like without any penalties. Notice I said the cash you deposit into your Roth IRA. The money you put into your Roth IRA is yours to withdraw whenever you like. The investment growth on the other hand will need to stay in your Roth IRA until requirement or else you'll be subject to some penalties.

Speaking of penalties, let's get into some of the drawbacks of Roth IRAs (because it's not all sunshine and rainbows).

The biggest drawback to investing in a Roth IRA is that your earnings are out of reach until you reach the ripe age of 59.5. Why 59.5? Ask congress. If you try to take your earnings before then, they'll be taxed and potentially subject to an additional 10% penalty. So the money you're putting into your Roth IRA really should be money you're saving for retirement.

Additionally, there are contribution limits to your Roth IRA that are important to keep in mind. As of 2020, individuals can only put up to $6,000 into their Roth IRA (or $7,000 if they are 50+ years old). If you are just getting started with investing, this might not be a big deal. But if you have more than $6,000 to invest, you're going to need to use a different type of account to invest the rest.

The last major drawback to Roth IRA investing is that if you make too much money, you won't be able to invest in this retirement account. In 2020, if you make more than $139,000 per year, you'll be unable to invest in a Roth IRA.

With those Roth IRA pros and cons in mind, you'll be able to truly evaluate if a Roth IRA fits your investing strategy or if you would be better served by one of the many different types of retirement accounts out there.

Happy Investing!

TIMESTAMPS

0:00 INTRO

0:34 Roth IRA Basics

2:05 Benefit #1 Buying Investments

3:09 Benefit #2 Tax-Free Gains

4:37 Benefit #3 Easy Access

6:24 Drawback #1 Withdrawing Earnings

8:04 Drawback #2 Contribution Limits

9:47 Drawback #3 Income Limits

9:38 Takeaways

Join Apple Crider (Young Smart Money) and Deacon Hayes (Well Kept Wallet) as they chat about paying off debt and creating a healthy outlook on finances. Deacon helps people make money, save money, and pay off debt. He shares how he transitioned from talking to millionaires to the average person, the common roadblocks that people face financially, and the most effective strategies that get people success. Did you know you can cut your spending without changing your lifestyle? Head to the podcast to learn more!

By the end of this episode, you will avoid comparing yourself to others, learn to utilize deadlines, and invest in your interests.

TONOR Q9 USB Microphone Kit   20% off code: SmartMoney20  

Amazon Link: https://www.amazon.com/dp/B07JMYG6LF

Website Link: https://www.tonormic.com/collections/usb-microphones/products/tonor-q9-usb-microphone-kit

~

About Deacon Hayes:

Hi! My name is Deacon Hayes and I am a personal finance expert, speaker, and podcaster.

I founded Well Kept Wallet in 2010 initially to share my story on how I paid off $52,000 of debt in only 18 months.

I was so excited about the process that I decided to become a Financial Planner with Ronald Blue and Company.

After a few years of working with high net worth individuals, I realized I wanted something more.

I wanted to reach the average person who was looking to better their financial lives. I then switched gears to figure out how to help people make money, save money and pay off debt; but this time through this website.

I have had the privilege to be a writer for US News and World Report as well as Clark Howard.

I also have been featured in many news publications including Yahoo Finance, US News & World Report, Forbes, CNN Money, and more.

In 2017, I got a publishing deal with Adams Media (a division of Simon and Schuster) where I wrote the book: You Can Retire Early! Everything You Need to Achieve Financial Independence When You Want It.

~

You can find Deacon Hayes on…

Twitter: https://twitter.com/deaconhayes

LinkedIn: https://www.linkedin.com/in/deacon-hayes-767b7b3/

Website: https://wellkeptwallet.com/deacon-hayes/

YouTube: https://www.youtube.com/channel/UC5tJ29CLYZsqUE40dlgWXMw

For all resources mentioned in the show check out www.applecrider.com/resources

For more personal finance and entrepreneurship subscribe to my YouTube channel -- www.youtube.com/applecrider

How do you secure a killer domain name like swag.com and land a massive first client like Facebook within a matter of months? Today Jeremy Parker, founder and CEO of Swag is sharing how he was able to do just that and scale to $300,000+ of revenue within their first year.

Jeremy had been working in the promotional products industry for a number of years before he decided to launch Swag, during which time it became clear to him that most promotional products companies were on a race to the bottom. In order to undercut on prices, companies were sacrificing the quality of their products and customers were suffering the consequences.

Meanwhile, Jeremy also noticed that the demographics of the average promotional products buyer was shifting from a middle-aged office manager to a 20-something that wore Patagonia to work. This new consumer was much more quality-conscious and was willing to pay a bit more for high quality promotional products that they would be proud of. Also, these consumers didn't say "promotional products", they called it "swag".

That's when the idea for Swag hit him. There was clearly a demand for high quality swag, but the companies willing to supply products at this level were not out there. So Jeremy decided to start putting the pieces in place for rapid scale.

Through a $1M+ creatively structured deal, Jeremy was able to secure the rights to use swag.com before he had sold a single product. And with a domain name and a few samples, Jeremy and his co-founder decided to swing for the fences on their first client...they were going after Facebook.

Listen to the full podcast for the rest of Jeremy's story along with his advice for aspiring young entrepreneurs!

0:00 INTRO

2:05 Swag Backstory

4:10 Landing Facebook As Their First Client

7:35 How To Get To Decision Makers

9:25 How Swag Fosters Inbound Marketing

11:00 Early Issues Encountered

13:58 Where The Name Came From

16:35 Raising Capital

19:50 Prioritizing Different Projects

25:10 Marketing vs. Product Development

29:45 Advice To His Younger Self

31:35 Jeremy's Businesses Before Swag

35:45 Partnering With Others

37:45 Industry Publications

38:55 What Jeremy is Excited About

40:50 Habits

41:40 Non-Scalable Practices

43:15 Jeremy's Contact Info

44:05 Closing Thoughts

For more, check out Apple's YouTube channel: https://www.youtube.com/applecrider

This episode is sponsored by TONOR. For 20% off the TONOR Q9 Mic Kit, use the code SMARTMONEY20 on either Amazon or TONOR's website.

Amazon: https://amzn.to/2XUwoc3

TONOR's Site: https://www.tonormic.com/collections/usb-microphones/products/tonor-q9-usb-microphone-kit

Join Apple Crider (Young Smart Money) and Ed Canty (Canty Financial) as they chat about taxes for entrepreneurs. Ed is a financial planner that helps others plan for retirement, manage their investments, do income taxes, tax planning, and the like. He explains the importance of separating personal and business expenses and gives effective ways to do it. They dive deep into self-employment tax, estimated tax payments, depreciation, and the common mistakes around taxes. 

By the end of this episode, you learn the importance of keeping proper accounting records, educate yourself, and not be too scared whenever you hear the word “taxes.” Enjoy!

~

About Ed Canty:

Ed is a Registered Investment Advisor Representative and tax professional at CFM. He graduated from the University of Tampa with a Bachelors of Science degree in Finance. Ed specializes in individual tax preparation and investment advisory services and is in the process of pursuing the CERTIFIED FINANCIAL PLANNER™ certification through Northwestern University. He enjoys volunteering in the local community and is a member of the Ballston Spa Rotary Club.

~

You can find Ed Canty on:

Canty Financial: https://www.cantyfinancial.com/

Investing Simple: https://www.investingsimple.com/

For all resources mentioned in the show check out www.applecrider.com/resources

Show notes for this episode and all other episodes --www.applecrider.com/blog

Become a part of the Young Smart Money Community join the Facebook group -- http://bit.ly/YSMgroup

For more personal finance and entrepreneurship subscribe to my YouTube channel -- www.youtube.com/applecrider

Interested in low-cost podcast editing? Check out www.podblade.com

Here are the HACKS to turn your business into a HIGH-PROFIT, money-making machine! - Enjoy! Add me on Instagram: AppleCriderOfficial

Over $2,000 in savings / free travel for entrepreneurs: https://applecrider.com/resources/

Podblade Podcasting Academy:

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Join Apple Crider (Young Smart Money) with Mike Michalowicz as they talk about making profits and knowing what your biggest challenge is. In order to make profits, Mike gives the different ways to identify where margins are lost and how to identify inefficiencies in the business. They talk about his new book Fix This Next and his experiences with helping business owners figure out the right thing to do. He also reveals innovative ways to use and monitor money, such as loss aversion, debt leveraging, and bank balance accounting. 

By the end of the episode, you will learn where to work on your business, rethink your lifestyle, and form a different idea around profits.

You can find Mike Michaolowicz on…

Fix This Next: https://fixthisnext.com/

Website: https://mikemichalowicz.com/

Podcast: https://podcasts.apple.com/us/podcast/the-entrepreneurship-elevated-podcast/

Join Apple Crider (Young Smart Money) and Scott Smith (Royal Legal Solutions) as they talk about the importance of asset protection and understanding the legal structure of your business. Scott gives clarity around LLC’s, tax implications on them versus a sole proprietorship, and explains what a two LLC approach is. As he created his strategies from learning the methods of other successful people, you need to nurture the same behavior and find what works for you.

By the end of this episode, you will learn of the common pitfalls you should avoid with asset protection, start networking with people you can learn from, and find predictable and repeatable ways to succeed. Enjoy the podcast!

~

About Scott Smith:

Before opening Royal Legal Solutions, founder Scott Smith was an aggressive litigator who brought suit against major insurance. He knows first-hand the tactics that plantiff’s attorneys use to win law suits. He brings this knowledge to bear when setting up business structures to protect your assets.

We analyze your individual situation and put nuanced strategies into place that will not only protect your property to the greatest extent possible but also save you money in taxes and state fees. You don’t need to be a millionaire to benefit from the right system for acquiring property and protecting your assets. Our clients range from first time investors to seasoned real estate investors with a broad portfolio of properties.

~

You can find Scott Smith on…

Website: https://royallegalsolutions.com/

LinkedIn: https://www.linkedin.com/in/scott-royal-smith/

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For all resources mentioned in the show check out www.applecrider.com/resources

Show notes for this episode and all other episodes --www.applecrider.com/blog

Become a part of the Young Smart Money Community join the Facebook group -- http://bit.ly/YSMgroup

For more personal finance and entrepreneurship subscribe to my YouTube channel -- www.youtube.com/applecrider

Interested in low-cost podcast editing? Check out www.podblade.com

Here are the CHEAPEST ways to get FLIGHTS with United Airlines miles - Enjoy! Add me on Instagram: AppleCriderOfficial

Over $2,000 in savings / free travel for entrepreneurs: https://applecrider.com/resources/

Podblade Podcasting Academy:

Learn EXACTLY how to start and grow your own podcast in order to create significant passive income streams while building high-value connections and growing your personal brand: https://applecrider.com/ppa $30 OFF WITH CODE 30OFF

Join Apple Crider (Young Smart Money) as he talks about how he was able to use his United Explorer credit card from Minneapolis, St. Paul to Bankok, Thailand for $19 in cash! He shares how you can use United Airlines to get sign-up bonuses of up to 60K points, PSA-PreCheck worth $100, free checked luggage, and a free United Club pass. Not to mention, you could also avoid foreign transaction fees! Worried about annual fees? Don’t worry, there’s still an option for you!

By the end of the episode, you will learn to maximize the use of your credit cards and build credit while you’re at it. 

Join Apple Crider (Young Smart Money) and Dan Kryzanowski (Rocket Dollar) as they chat about self-directed accounts, retirement, and financial freedom. He shares how he started getting into real estate and learned how he could utilize his retirement dollars for different purposes other than “retirement.” Dan explains what first liens are, what having a custodian means, the importance of having checkbook control, and everything in between. He also reveals why other financial giants like Vanguard or Charles Schwab don’t go by his methods.

By the end of this episode, you will learn different ways to grow financially through real estate, other uses of self-directed IRA’s, and to put more thought into retirement. Enjoy!

~

About Dan Kryzanowski:

Revenue-driving executive with a gritty, empathic "entrepreneurial mindset" responsible for leading new initiatives, partners, and teams across the US and globally to produce significant revenue wins in the IOT and physical worlds:

è  15 Yrs.+ Client-Facing Leadership (EVP of Business Development & Marketing, Head of Account Management). Real Estate, FinTech, Enterprise Software (SaaS / PaaS / FaaS).

è 10 Yrs. Commercial Leadership at GE Capital & Merrill Lynch (NPS / VOC / SWAPS).

è 5 Yrs. of FinTech (FT), Investor / Banking software sales & retention in Austin.

è 3 Major Turnarounds and GTM of Post-Acquisition business units (Increased Valuation 9-figures)

è 2 Languages (Spanish, English), 2 Universities (Wharton, Thunderbird), 2 Certifications (PMP, TSSB Finder).

Niche Expertise and Personal Interests:

✔ Investor, mentor, and speaker/author/podcast guest across the Family Office, FinTech and Real Estate communities: 100+ events/articles/interviews in 2019

✔ Niche expertise in Alternative Investments, Checkbook Control Self-Directed accounts (SDIRA, Solo 401(k), and Self-Storage: $100,000,000+ assets transferred

✔ Volunteer with HOBY (Hugh O'Brian Youth), empowering thousands of high school sophomores to develop leadership skills and embrace real world experiences in a collaborative, open environment: 1,000+ Ambassadors since 2011

STRENGTHS: Revenue Generation ✦ Brand Evangelist ✦ Client Champion ✦ Team Leadership & Development ✦Turnarounds ✦ Go To Market (GTM) ✦ Business Intelligence ✦ Competitor Research & Analysis ✦ Continuous Quality Improvement ✦ Key Performance Indicators (KPIs)

~

You can find Dan Kryzanowski on…

LinkedIn: https://www.linkedin.com/in/danielkryzanowski/

Twitter: https://twitter.com/dkryzanowski

Website: https://www.rocketdollar.com/

Email: dan@rocketdollar.com

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For all resources mentioned in the show check out www.applecrider.com/resources

Show notes for this episode and all other episodes --www.applecrider.com/blog

Become a part of the Young Smart Money Community join the Facebook group -- http://bit.ly/YSMgroup

For more personal finance and entrepreneurship subscribe to my YouTube channel -- www.youtube.com/applecrider

Interested in low-cost podcast editing? Check out www.podblade.com

I know talking about IRA’s isn’t everyone’s cup of tea, but if you want to have financial freedom early, it’s highly beneficial to start now. The long-term results can be crazy! If you don’t believe me, have a look at this compound interest calculator and just start plugging in some numbers. Even if you don’t get into the technicalities, just starting an account generates money for you in the long run. Now that’s Young Smart Money!

The question is, should you contribute to a Roth IRA or a traditional IRA? It’s actually really simple. Join me today, and let’s see which one’s for you.

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For all resources mentioned in the show check out www.applecrider.com/resources

Show notes for this episode and all other episodes --www.applecrider.com/blog

Become a part of the Young Smart Money Community join the Facebook group -- http://bit.ly/YSMgroup

For more personal finance and entrepreneurship subscribe to my YouTube channel -- www.youtube.com/applecrider

Interested in low-cost podcast editing? Check out www.podblade.com

Welcome to the last installment of this three-part series where I share my experiences going to a 10-day Vipassana retreat. The first part talks about the general Vipassana retreat experience and the second one touches more on the things I learned after meditating for 12 hours for 10 days straight. In this last part, I’ll be discussing the difficulties I encountered throughout the whole retreat: what I thought would be tough, and what reallygave me problems. If you’re looking to see if a Vipassana retreat is for you, then this is perfect!

Learn more about the organizer of these retreats -- Dhamma.org

For all resources mentioned in the show check out www.applecrider.com/resources

Show notes for this episode and all other episodes --www.applecrider.com/blog

Become a part of the Young Smart Money Community join the Facebook group -- http://bit.ly/YSMgroup

For more personal finance and entrepreneurship subscribe to my YouTube channel -- www.youtube.com/applecrider

Interested in low-cost podcast editing? Check out www.podblade.com

Welcome back to part two of three of my experience going into this 10-day Vipassana retreat! The first part talks mainly about the experience and my general assessment of the whole ten days. If you haven’t seen the first part, make sure you have a look to have a better idea of what’s going on here. This second part will be focusing on the lessons I learned and the philosophical side of things. You might be hearing some woo-woo stuff, but I came out of the retreat having learned a lot about myself and the world around me. So I urge you to join in and have an open mindset. You might just learn something new!

Learn more about the organizer of these retreats -- Dhamma.org

For all resources mentioned in the show check out www.applecrider.com/resources

Show notes for this episode and all other episodes --www.applecrider.com/blog

Become a part of the Young Smart Money Community join the Facebook group -- http://bit.ly/YSMgroup

For more personal finance and entrepreneurship subscribe to my YouTube channel -- www.youtube.com/applecrider

Interested in low-cost podcast editing? Check out www.podblade.com

Today, I’ll be talking about my experience and takeaways from a 10-day Vipassana retreat that I went to last month. This is the first of a three-part series, and this first one will touch on my general experiences and expectations coming into the retreat. This is a change of pace from the usual content, but I promise it will be worth your time! I hope you get some value from it.

This retreat is coordinated by dhamma.org, a non-religious, non-sectarian group that uses the principles and teachings of Buddha. They use three meditation styles: Anapana, Vipassana, and Metta. For me, the last one is the easiest to do and could be done in about a 10-minute commitment. The others are more complex and you would need to sign up for a 10-day retreat to learn them. It is not my aim to teach these things, nor am I trying to shove Buddhism into your lives, but this is rather just me sharing my experience, as it was an extremely positive experience overall.

Learn more about the organizer of these retreats -- Dhamma.org

For all resources mentioned in the show check out www.applecrider.com/resources

Show notes for this episode and all other episodes --www.applecrider.com/blog

Become a part of the Young Smart Money Community join the Facebook group -- http://bit.ly/YSMgroup

For more personal finance and entrepreneurship subscribe to my YouTube channel -- www.youtube.com/applecrider

Interested in low-cost podcast editing? Check out www.podblade.com

My Credit Cards:

· Chase Ink Preferred

· Chase Ink Unlimited

· United Explorer

· Chase Freedom

· Chase Freedom Unlimited

One Million Credit Card Points By 21

I think you could tell by now that I’m a huge credit card nerd. Last episode, we talked about why you might want to use credit cards contrary to what others may say. I talked about how credit cards should help me build my credit file so that I could get a lower interest in getting a mortgage. If you haven’t seen that video yet, I highly suggest you watch it to get a clearer understanding of how that works. But today, I’ll be showing you the method to my madness in utilizing these nine credit cards to my advantage, particularly with the points I generate by getting and using these cards. You don’t think I just leave the cards in a drawer, right? My aim is to get one million in credit card points before I turn 22! As you may know already, I love personal finance, I love talking about it, and I love documenting the process as well for people to learn something. I think you guys will find it cool and get a lot of value out of this.

What Am I Doing With All These Points?

Counting all the points I gathered from sign-up bonuses, referrals, and spending, I have about 430K points ($8600 on 2 cents per point). That’s about halfway to the million points that I’m aiming for. Take note that I’ve been at this for about 2 years only. If you’re wondering what I plan to do with these points, I’ve actually spent some of them already. At the time of making this video, I’m actually at an Airbnb in Thailand already, planning to hop around Southeast Asia using my miles. So as you can see, I’m not stockpiling them to a million, it’s more of accumulating a million points. I believe it’s better to have fun in the process of getting to that million-point mark.

If you do want to try things out, my referral links are down on the Resources section. You could start having your own journey with cards while helping me reach my million-point goal in the process. If you’re just curious to know about more ways you could use credit cards, I do plan to do these types of videos/tutorials probably once a month, maybe updating you with my progress on the million-point goal, or giving you new strategies in terms of credit cards. So if you have any specific questions or suggestions on topics like more creative ways to earn points, redeem points, or anything about credit cards, do let me know. You could DM me on Instagram or leave a comment on my YouTube video. I’m always looking to provide you with value through the content I make. Thanks for spending time with me on this, and I hope you gained something from it that makes your personal finance skills better.

Join Apple Crider (Young Smart Money) as he talks about why he has 9 credit cards and how it significantly benefits his personal finance! He starts off with the reason why using credit cards wisely is an optimal way to help yourself financially in contrast to other philosophies that people may have. There will be a deep dive into the specifics of which credit cards would be appropriate for your spending habits and also knowing what alternatives there are should you have difficulty in managing a credit card in the first place.

By the end of this episode, you will learn tips on managing your credit score, things to know to avoid getting trapped in the credit card loop, and the importance of starting early. If you’re looking for ways to improve your personal finance, definitely stay tuned!

~

About Apple:

Host of Top 100 Business Podcast: Young Smart Money. Interviewing successful 6, 7, and 8 figure online entrepreneurs in order to share their stories with an audience of high school and college students and illustrate options other than the traditional 9-5 for life.

~

For all resources mentioned in the show check out www.applecrider.com/resources

Show notes for this episode and all other episodes --www.applecrider.com/blog

Become a part of the Young Smart Money Community join the Facebook group -- http://bit.ly/YSMgroup

For more personal finance and entrepreneurship subscribe to my YouTube channel -- www.youtube.com/applecrider

Interested in low-cost podcast editing? Check out www.podblade.com

Young Smart Money is starting a new chapter! Instead of entrepreneur interviews, the show will now be focusing on personal finance for young entrepreneurs. From tax planning, to legal structures, to credit cards, get ready because we are about to nerd out! Going forward the show will be structured in a more actionable way in order to ensure each episode not only teaches you something about how to structure your finances as an entrepreneur, but also exactly how you can implement what you learn. Hope you're ready!

For all resources mentioned in the show check out www.applecrider.com/resources

Show notes for this episode and all other episodes --  www.applecrider.com/blog

Become a part of the Young Smart Money Community join the Facebook group -- http://bit.ly/YSMgroup

For more personal finance and entrepreneurship subscribe to my YouTube channel -- www.youtube.com/applecrider

Interested in low-cost podcast editing? Check out www.podblade.com

Join Apple Crider (Young Smart Money) and Chase Namic as they chat about his YouTube business and how he runs 20 different channels. He has grown in revenue since the last podcast and is now moving into different business opportunities that will be detailed in the interview. He also talks more about his experience in handling teams and identifying talent or possible competitors.

By the end of this episode you will learn what skills you would need to get a YouTube channel running, how long it takes, and what mindset you need to persevere in this space. Stay tuned and enjoy the discussion!

~

About Chase Namic:

Chase built up a YouTube Holdings company that oversees 20 channels that generate $100,000 a month thru Google Adsense. He has amassed over 5 Million Subscribers and over 500 Million Video views across all his channels and helps people make a full-time income off of YouTube with his proven strategies.

~

I sincerely hope you enjoy the interview.

You can find Chase on...

LinkedIn: https://www.linkedin.com/in/chase-namic-176518188

Instagram: https://www.instagram.com/lnvestlng/?hl=en

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Connect with Appe on..

https://applecrider.com/

https://www.facebook.com/applecrider2/

https://www.linkedin.com/in/applecrider

https://twitter.com/cridermedia?lang=en

https://www.instagram.com/applecriderofficial/?hl=en

---

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P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

Join Apple Crider (Young Smart Money) and Nick Myers (RedFox AI) as they chat about Voice AI and taking advantage of emerging trends. He discusses how he got interested in Voice AI, how he started RedFox AI, the pillars the company runs on, how to capitalize shifting and emerging trends, and his outlook on how he does his work. Nick’s work is especially important and interesting as AI technology continues to grow.

By the end of this episode you will learn business models you can implement in unique situations, actionable strategies in building relationships with people, building your brand as a speaker, and expressing gratitude. Enjoy!

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About Nick Myers:

Currently, I am the Director of Marketing and Communications for a national transportation and logistics company that is the second-largest contractor to the U.S Postal Service. In 2017 I founded my own company, RedFox AI, to help brands of all shapes and sizes around the world leverage the power of AI and voice assistant technology like Alexa and Google Assistant in their business and marketing strategies to improve processes and connect with customers in a whole new way.

Throughout my journey, I have been able to channel and knowledge and expertise in AI and Voice-First technology into speaking where I have become known throughout the world for my work. I have spoken across the U.S in cities like Milwaukee, Chicago, and Seattle, and around the world from Sydney, Australia to Bangkok, Thailand.

~

Nick's Marketing & Tech Toolbox:

Marketing & Communications • Digital Marketing • Social Media Marketing • Strategy and Consulting • Project Management • Artificial Intelligence • Conversational and Situational Design • Alexa Skill Development • Google Action Development • WordPress • Adobe Creative Cloud • Public Speaking • Facebook Ads • Google Ads • Event Management

~

You can find Nick Myers on...

LinkedIn: https://www.linkedin.com/in/nick-myers-0794

Twitter: https://twitter.com/therednickm

Instagram: https://www.instagram.com/therednickm/

Podcast: https://anchor.fm/the-artificial-podcast

Website: ai.com/">https://redfox-ai.com/

---

Follow Apple on:

FREE podcasting community: www.podcasting.group

Follow me on Instagram -- www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel -- YouTube.com/AppleCrider

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Join Apple Crider (Young Smart Money) and Zachary Blumenfeld (CultureCon) as they talk about connecting people to change organizational structure and his experiences in running CultureCon. He discusses the origins of the convention, the processes and models involved in starting, and the challenges he went through along the way. Zach is very passionate about culture and infusing a human element in the workplace.

By the end of this episode you will understand what makes a good culture, knowing what culture fits your business, instilling that culture, creating engagement among people, and being intentional about it. We hope you enjoy the interview!

~

Zach Blumenfeld’s motto, Make What You Do Matter, speaks volumes about how he leads his life. His commitment to working to improve the lives of others are qualities that influenced the start of CultureCon. In additional to CultureCon, Zach was also Co-Founder/COO of ThirdSpace, a workplace culture software, as well as a founder of numerous other startups. Zach is passionate about fixing the broken workplace. Zach speaks at events across the globe including: The University of Wisconsin Innovation Conference, DisruptHR, and the Society of Human Resource Management (SHRM) on topics that include: culture, engagement, innovation, generational differences in the workplace, and connecting your team to the mission of the organization.

~

You can find Zachary Blumenfeld on...

LinkedIn https://www.linkedin.com/in/zacharyblumenfeld

Twitter: https://twitter.com/zachblum?lang=en

Instagram: https://www.instagram.com/zachblum/?hl=en

Website: https://www.cultureconusa.org/

---

Follow Apple on:

FREE podcasting community: www.podcasting.group

Follow me on Instagram -- www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel -- YouTube.com/AppleCrider

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Today Apple Crider (Young Smart Money) had the pleasure of talking with Damian Barbu, co-founder of Boost Collective, a music promotion and distribution company aimed at helping upcoming musicians. At 18, he's been able to scale it to 50k a month in revenue.

In this episode, Damian discusses how he was able to create a $50,000 Per Month Business At 18 years old, Selling to SoundCloud Rappers.

By the end of this episode you will know how to carve out your niche in order to create a highly profitable business while you are still young.

Enjoy!

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Follow Damian on:

Twitter -- https://twitter.com/damianbarbu

Facebook -- https://www.facebook.com/DamianBarbuu

Company Website -- https://boostcollective.ca/

-----

Follow Apple on:

FREE podcasting community: www.podcasting.group

Follow me on Instagram -- www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel -- YouTube.com/AppleCrider

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#196: Today I had the pleasure of talking with Mike Winnet, UK’s number 1 Demotivational speaker. In this episode, Mike exposes the contrepreneur’s formula. By the end of this episode, you will have a grasp of the ever elusive contrepreneur’s formula. Enjoy!

Follow Mike on Instagram -- @mikewinnet

Find Mike on YouTube--https://www.youtube.com/mikewinnet

Follow Apple on:

FREE podcasting community: www.podcasting.group

Follow me on Instagram -- www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel -- YouTube.com/AppleCrider

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P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#195: Today I had the pleasure of talking with Ryan Mulvany, Partner and Founder of Quiverr In this episode, Ryan discusses talks about Amazon, he will talk about how he was able to get over a billion dollars on Amazon Sale. He will also discuss how he started his business, Quiverr and how he was able to get enterprise seller clients.. By the end of this episode you will have a good understanding on what is going on in Amazon. Enjoy!

Follow Ryan on Instagram: @ryan.mulvany

FREE podcasting community: www.podcasting.group

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

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P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#194: Today Apple Crider (Young Smart Money) had the pleasure of talking with Liam Martin, one of the co-founder of Time Doctor and staff.com. In the past, Liam opened a small tutoring company that ended up having 100 employees. He saw the difficulty in running a remote team and decided to do something about it. That’s when staff.com was created, leading to the launch of Time Doctor. They are both productivity tools meant to help companies monitor their employees remotely. As a business owner with a remote team, you can efficiently manage the schedule for each employee and the time frame it takes to complete each task. Time Doctor has 66 employees who live in 23 different countries. This is further proof that Liam knows how to run a remote business.

In this episode, Liam discusses topics about his experience in becoming a digital nomad..

By the end of this episode you will know how to begin taking advantage of remote work opportunities.

Enjoy!

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Follow Liam on:

Blog -- http://biz30.timedoctor.com/

Twitter -- https://twitter.com/vtamethodman

LinkedIn -- https://www.linkedin.com/in/liammcivormartin/

Company Websites -- http://timedoctor.com/ and  https://runningremote.com/

-----

Follow Apple on:

FREE podcasting community: www.podcasting.group

Follow me on Instagram -- www.Instagram.com/applecriderofficial

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#194: Today I had the pleasure of talking with Liam Martin, Co-founder and CMO of Time Doctor. In this episode, Liam discusses the software business he started. He will also discuss his conference in building a remote team. By the end of this episode you will have a good understanding how you can take advantage of working remotely. Enjoy!

Find Liam on YouTube --  www.youtube.com/runningremote

FREE podcasting mastermind: www.podcasting.group

Follow me on Instagram -- www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel -- YouTube.com/AppleCrider

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P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#193: Today I had the pleasure of talking with Kyle Trattner, CEO of Wise Publishing Inc and MoneyWise. In this episode, Kyle discusses the world of digital publishing, and how he was able to grow his latest company past $10 million in revenue in under 2 years. By the end of this episode you will have a good understanding how you can take action and start your own digital publishing company Enjoy!

Follow Kyle on Instagram -- @ktrattner

FREE podcasting community: www.podcasting.group

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#192: Today I had the pleasure of talking with Stephen Larsen, the King of Offer Creation. In this episode, Stephen discusses how he was able up his business and some tips and strategies that you can use. By the end of this episode you will have a good understanding on how you will be able to get started, and how to get the early pieces in place. Enjoy! 

Follow Stephen on Instagram -- @stephenlarsenhq 

FREE podcasting mastermind: www.podcasting.group 

Follow me on Instagram --> www.Instagram.com/applecriderofficial 

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider 

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

SMM #007: Bird Scooter just raised another $275 million putting them at a $2.5 billion valuation. For a company that released their first fleet of scooters only about 2 years ago this is some significant growth and has spurred over 30+ copycats to pop up in the US alone. Is Bird going to raise to the top of the pack or will Uber or Lyft step up their scooter game? Let's talk about it...

Connect on LinkedIn: https://www.linkedin.com/in/applecrider/

FREE podcasting community: www.podcasting.group

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#191: Today I had the pleasure of talking with Aaron Agius, a SEO and content marketer. In this episode, Aaron discusses how you can thrive outside of the usual 9-5. He will also discuss how he found success in content marketing and working with different some of the biggest people/companies. By the end of this episode you will have a good understanding on some values in content marketing space. Enjoy!

Find Aaron online: https://louder.online/home-3/aaron-agius/

FREE podcasting community: www.podcasting.group

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

SMM #007: Facebook's Mark Zuckerberg completely downplayed the role of TikTok in today's social media landscape and the threat they pose for Facebook and Instagram. Zucks likened the entire TikTok platform to Instagram stories and missed the bigger picture of what TikTok really is (and the 2 billion+ devices that have the app!). Is Facebook making a mistake by not taking the threat of TikTok seriously? Let's talk about it...

Connect on LinkedIn: https://www.linkedin.com/in/applecrider/

FREE podcasting community: www.podcasting.group

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#190: Today I had the pleasure of talking with Sascha Scheider, CEO and Co-Founder of PLOTAVERSE. In this episode, Sascha discusses how she does her things on the consumer technology space. She will also share they started the app they create called Plotagraph. By the end of this episode you will have a good understanding on how you can turn your ideas into a real business. Enjoy!

Follow Sascha on Instagram: @saschascheider

FREE podcasting community: www.podcasting.group

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

SMM #006: Uber officially launched their startup incubator that allows both Uber employees and non-employees a space to recieve massive resources and support in order to innovate on top of Uber's platform. We have already seen a few innovations out of this incubator like Transit and swappable scooter batteries. But what's next? And do they have any plans to make sure drivers make more than minimum wage? Let's talk about it...

Connect on LinkedIn: https://www.linkedin.com/in/applecrider/

FREE podcasting community: www.podcasting.group

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#189: Today I had the pleasure of talking with Christine Mendoza, Forbes Council Member, and CEO and founder of Face & Bawdy. In this episode, Christine discusses how she dropped out of school at 16 to pursue modeling and was able to make some serious money creating a membership site selling access to her photos. By the end of this episode you will have newfound knowledge on the behind-the-scenes world of modeling and the process to create a massive income in the industry. Enjoy!

FREE podcasting community: www.podcasting.group

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

SMM #005: Amazon announced yesterday that they would be rolling out a host of new smart devices including the Echo Loop, Echo Frame, Echo Pods, and Amazon Smart Oven. Amazon is still the only major player in the virtual assistant space without a dedicated phone. Is this an attempt to compensate? Or are they well on their way to fully integrating your entire life with Alexa? Let's talk about it...

Connect on LinkedIn: https://www.linkedin.com/in/applecrider/

FREE podcasting community: www.podcasting.group

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

SMM #004: Facebook announced yesterday that they would be rolling out Facebook Horizon in early 2020. Horizon is a social VR game that allows you to do all of your favorite Facebook activities like tend to your crops and get pitched MLMs by people you barely knew in high school without being able to watch YouTube at the same time. Does Facebook Horizon have potential to go big? Let's talk about it... 

Facebook Horizon Beta Application: https://www.oculus.com/facebookhorizon/sign-up/ 

Connect on LinkedIn: https://www.linkedin.com/in/applecrider/ 

FREE podcasting community: www.podcasting.group 

Follow me on Instagram --> www.Instagram.com/applecriderofficial 

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider 

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#188: Today I had the pleasure of talking with Drew Manning, founder of Fit2Fat2Fit. In this episode, Drew discusses why he gained 75 pounds of fat on purpose and how doing so skyrocketed his business. By the end of this episode you will have a good understanding on how you will be able to gain traction by doing something out of the ordinary. Enjoy! 

FREE podcasting community: www.podcasting.group 

Follow me on Instagram --> www.Instagram.com/applecriderofficial 

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider 

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

SMM #003: WeWork just went from a $47 billion valuation to a $10-$15 billion valuation. What's going on? How did one of the largest drops in rivate shareholder value happen so quickly? In this episode I'll be sharing with you everything you need to know about the WeWrok situation (and IPO?) and how to make sense of what is happening with WeWork. What is WeWork up to and how were they able to lose $30 billion in value? Let's talk about it...

Connect on LinkedIn: https://www.linkedin.com/in/applecrider/

FREE podcasting mastermind: www.podcasting.group

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

SMM #002: Peloton is going public this week! In this episode I'll be sharing with you everything you need to know about the Peloton IPO (including why you should care) and my top 3 thoughts about the company as a whole. What is Peloton and why are they valued at $8 billion? Let's talk about it...

Connect on LinkedIn: https://www.linkedin.com/in/applecrider/

FREE podcasting mastermind: www.podcasting.group

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

SMM #001: The first Smart Money Minute! "What is the Smart Money Minute?" you ask. Well the Smart Money Minute is a bite-sized podcast to hold you over between interviews that shares something timely going on in the startup or social media world. In this episode I'll be sharing with you an Instagram page that is shaking things up in the D2C space and was just able to raise $300K in pre-seed money (with just an Instagram page!) Let's talk about it... 

FREE podcasting mastermind: www.podcasting.group 

Follow me on Instagram --> www.Instagram.com/applecriderofficial 

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#187: Today I had the pleasure of talking with Chris Camillo and Dave Hanson of Dumb Money. Dumb Money is Chris, Dave, and Jordan's (business partner) process of documenting how they were able to turn $10,000 into $40,000,000 over the span of about 10 years and how they continue to grow their wealth significantly through stock trading and early stage startup investing. In this episode, Chis and Dave discuss how they got started in financial markets and were able to achieve massive returns despite being "dumb money". By the end of this episode you will have newfound knowledge on the behind-the-scenes world of startups and the process of early-stage investing. Enjoy!

Follow Dumb Money on Instagram -- @dumbmoneytv

Find Dumb Money on YouTube -- YouTube.com/dumbmoney

FREE podcasting mastermind: www.podcasting.group

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#186: Today I had the pleasure of talking with Graham Stephan, personal finance YouTuber, real estate agent, and real estate investor. In this episode, Graham discusses his serious frugality, how he got started as a real estate agent at 18 and started seeing success as an agent, and what is in the works for the future of Graham Stephan. By the end of this episode you will have a look into the mind of one of the most successful personal finance YouTubers in the game and have some actionable strategies you can use to increase your income and cut your expenses. Enjoy!

Follow Graham on Instagram -- @gpstephan

Find Graham on YouTube -- YouTube.com/grahamstephan

FREE podcasting mastermind: www.podcasting.group

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#185: Today I had the pleasure of talking with Alex Hormozi, CEO of Gym Launch . In this episode, Alex discusses how he was able to turn Gym Launch into a business that did $60 million dollars in about 24 months. He will also talk about why he didn't utilized social media. By the end of this episode you will have a good understanding on how you can be able to grow your business without using social media Enjoy!

Follow Alex on Instagram -- @hormozi

Want to learn how to start your own podcast? I created a free training to get you started! -->www.AppleCrider.com/podcast

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#184: Today I had the pleasure of talking with Rytis Lauris, CEO and Founder of Omnisend. In this episode, Rytis discusses the difference between having a social media business and an actual business. He will also talk about how to run a business effectively. By the end of this episode you will have a good understanding on how you can create a successful business shift. Enjoy!

Follow Rytis on Instagram -- @omnisend

FREE podcasting mastermind: www.podcasting.group

Want to learn how to start your own podcast? I created a free training to get you started! -->www.AppleCrider.com/podcast

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#183 One of the most common questions I get from young entrepreneurs is "How do I build my personal brand?" My answer to this question is not a generic "create more content" statement. There's a lot more that goes into it than that. Let's talk about it...

FREE podcasting mastermind: www.podcasting.group

Want to learn how to start your own podcast? I created a free training to get you started! --> www.AppleCrider.com/podcast

The 16 strategies I use to generate 6 figures from my podcast --> www.AppleCrider.com/cheatsheet

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#182: Today I had the pleasure of talking with Jake Havron , a 24 year old fitness trainer. In this episode, Jake discusses how he was able to blown up his business, he will also share  things about networking and show you how you can effectively connect with people. By the end of this episode you will have a good understanding on how you can start an online business, and how to use relationship in building your business and personal brand. Enjoy!

Follow Jake on Instagram -- @jakehavron

FREE podcasting mastermind: www.podcasting.group

Want to learn how to start your own podcast? I created a free training to get you started! --> www.AppleCrider.com/podcast

The 16 strategies I use to generate 6 figures from my podcast --> www.AppleCrider.com/cheatsheet

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#181: Today I had the pleasure of talking with Nick Furnia, own of Nomad Coffee and Crepes in New York. In this episode, Nick discusses how he started his coffee shop business. He will also share how he is keeping his passion. By the end of this episode you will have a good understanding on how you can build a better culture in your business. Enjoy!

Follow Nick on Instagram -- @nickrianfurnia99

FREE podcasting mastermind: www.podcasting.group

Want to learn how to start your own podcast? I created a free training to get you started! --> www.AppleCrider.com/podcast

The 16 strategies I use to generate 6 figures from my podcast --> www.AppleCrider.com/cheatsheet

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#180: Today I had the pleasure of talking with Greg Reid, a speaker, filmmaker and author. In this episode, Greg discusses how he get started public speaking, and he will breakdown exactly how he landed to his speaking gigs.  He will also share how he structures his speeches, how he started in filmmaker. By the end of this episode you will have a good understanding on how you can be able to grow your brand in the most effective and tested way. Enjoy!

Follow Greg on Instagram -- @gregsreid

FREE podcasting mastermind: www.podcasting.group

Want to learn how to start your own podcast? I created a free training to get you started! --> www.AppleCrider.com/podcast

The 16 strategies I use to generate 6 figures from my podcast --> www.AppleCrider.com/cheatsheet

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#179: Today I had the pleasure of talking with Kieran O'Brien, a 20 year old SMMA Expert and Entrepreneur. In this episode, Kieran discusses some knowledge in building a social media marketing agency. He will also share the 3 pillars he utilized in building his business. By the end of this episode you will have a good understanding on how you can build a company from the ground, up and some tips on how you can hustle for success. Enjoy!

Follow Kieran on Instagram -- @kieranobrien

Find Kieran on YouTube --   https://www.youtube.com/channel/UCkvnfoG4b9pSp2ZZ60hOTTA 

FREE podcasting mastermind: www.podcasting.group

Want to learn how to start your own podcast? I created a free training to get you started! --> www.AppleCrider.com/podcast

The 16 strategies I use to generate 6 figures from my podcast --> www.AppleCrider.com/cheatsheet

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#178: Today I had the pleasure of talking with Peter Lorimer, former top EDM Producer and Serial Creative entrepreneur. In this episode, Peter discusses how he got started in the house music scene in England, and how he hitted time charts in the U.S, became a top agent in real estate agent.  By the end of this episode you will have a good understanding on how you can strategically make decisions to reach success. Enjoy!

Follow Peter on Instagram -- @peterlorimer

FREE podcasting mastermind: www.podcasting.group

Want to learn how to start your own podcast? I created a free training to get you started! --> www.AppleCrider.com/podcast

The 16 strategies I use to generate 6 figures from my podcast --> www.AppleCrider.com/cheatsheet

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#177: Today I had the pleasure of talking with Spectacular  Smith, an entertainer and speaker. In this episode, Smith discusses  the 3 skills that every entrepreneur need. By the end of this episode you will have a good understanding on how you can scale to the 8 figure mark and how you can master the skills of an entrepreneur. Enjoy!

Follow Spectacular Smith on Instagram -- @iamspectacular

FREE podcasting mastermind: www.podcasting.group

Want to learn how to start your own podcast? I created a free training to get you started! --> www.AppleCrider.com/podcast

The 16 strategies I use to generate 6 figures from my podcast --> www.AppleCrider.com/cheatsheet

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#176: The difference between podcasts that have success and those that don't is whether or not people actually listen to them. Marketing a podcast can be one of the most difficult parts of the podcasting process. If you think that once you start publishing you're show will just blow up overnight think again...

FREE podcasting mastermind: www.podcasting.group

Want to learn how to start your own podcast? I created a free training to get you started! --> www.AppleCrider.com/podcast

The 16 strategies I use to generate 6 figures from my podcast --> www.AppleCrider.com/cheatsheet

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#175: Today I had the pleasure of talking with Jasmine Star, a photographer and business strategist. In this episode, Jasmine discusses how to use social media to effectively build people's brand. She will also talk about how she dropped out of law school and started a successful photography business. Along the way she will also talk about brand building and creating content. By the end of this episode you will have a good understanding on how you can create a really effective content that will allow you to attract your ideal customers. Enjoy!

Follow Jasmine on Instagram -- @jasminestar

Find Jasmine on YouTube --   https://www.youtube.com/user/officialjasminestar/videos 

Want to learn how to start your own podcast? I created a free training to get you started! -->www.AppleCrider.com/podcast

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#174: Today I had the pleasure of talking with Antonio T Smith, CEO of ATS Jr Companies. In this episode, Antonio discusses how he started off 6 years old, homeless then how he transition in building a business having 8-figure net worth  By the end of this episode you will have a good understanding on how you can have a big transition in life and in your career Enjoy!

Follow Antonio on Instagram -- @theatsjr

Want to learn how to start your own podcast? I created a free training to get you started! -->www.AppleCrider.com/podcast

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#173: Today I had the pleasure of talking with Chris Delgado, a  Business & Marketing Consultant . In this episode, Chris discusses about networking and 18 year old millionaires. He will also share how he worked his way up from cleaning bathroom to being a millionaire. By the end of this episode you will have a good understanding on some tactical networking strategies and having a great reputation. Enjoy!

Follow Chris on Instagram -- @mrchrisdelgado

Want to learn how to start your own podcast? I created a free training to get you started! -->www.AppleCrider.com/podcast

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#172: Today I had the pleasure of talking with Ben Nemtin,  New York Times Bestselling Author and Co-founder of The Buried Life. In this episode, Ben discusses how he ended up playing basketball with President Obama. He will also share how he was able to set really really high goals, and how thinking about death gets us to think about life and use that to accomplish things. By the end of this episode you will have a good understanding on how to set goals for yourself, how to hold yourself accountable and find people that will help you reach your goals. Enjoy!

Follow Ben on Instagram -- @bennemtin

Want to learn how to start your own podcast? I created a free training to get you started! -->www.AppleCrider.com/podcast

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#171: The difference between people who make $0 (or even lose money!) and the people who make $10k+ per month with a podcast is whether or not they are monetizing on the front end or the back end. If you think that sponsors are the only way to monetize a podcast think again...

FREE podcasting mastermind: www.podcasting.group

Want to learn how to start your own podcast? I created a free training to get you started! --> www.AppleCrider.com/podcast

The 16 strategies I use to generate 6 figures from my podcast --> www.AppleCrider.com/cheatsheet

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#170: Today I had the pleasure of talking with Steve Sims, founder of BlueFish and author of Bluefishing: The Art of Making Things Happen. In this episode, Steve discusses some valuable insight on how you can make thing happen, he will also dive deep on the idea of building of credibility. He will also share some strategies how you can market effectively without relaying to flashy techniques. By the end of this episode you will have a good understanding on how you can get your message out there and stand apart from the fake gurus. Enjoy!

Follow Steve on Instagram -- @stevedsims

Find Steve on YouTube --  www.youtube.com/stevedsims

Free podcasting mastermind --> www.podcasting.group

Want to learn how to start your own podcast? I created a free training to get you started! -->www.AppleCrider.com/podcast

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#169 Today I had the pleasure of talking with MJ Harris, a CEO and motivational success teacher. In this episode, MJ discusses he makes big things in the insurance space and in the online education. He will also talk about how he started with his insurance agency, how he took him 13 tries to get it right in entrepreneurship. By the end of this episode you will have a good understanding on how hustling is important to reach success. Enjoy!

Follow MJ on Instagram -- @mjharrisspeaks

Find MJ on YouTube --  https://www.youtube.com/channel/UCOL6MBpAAo019hjIVTmJRSw

Want to learn how to start your own podcast? I created a free training to get you started! -->www.AppleCrider.com/podcast

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#168 Today I had the pleasure of talking with Van Dennis, an Expert Digital Marketer. In this episode, Van discusses how to create profitable Google Ads, his expertise in eCommerce, and how to start your SMMA from the ground up. He will also talk about how he was able to scale his business very quickly by working for free. By the end of this episode you will have a good understanding on how you can overcome your old philosophies. Enjoy!

Follow Van on Instagram -- @vandennisofficial

Want to learn how to start your own podcast? I created a free training to get you started! --> www.AppleCrider.com/podcast

The 16 strategies I use to generate 6 figures from my podcast --> www.AppleCrider.com/cheatsheet

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

 #167 Today I had the pleasure of talking with Tiffany Parra,  Co founder of @og.scrunchies and Host of the Work in Progress Podcast. In this episode, Tiffany discusses how to step up your LinkedIn profile, and how she has created a wildly successful podcast from scratch.  By the end of this episode you will have a good understanding on how you can use LinkedIn to effectively grow your network. Enjoy! Follow Tiffany on Instagram -- @tiffanyparra_ Want to learn how to start your own podcast? I created a free training to get you started! --> www.AppleCrider.com/podcast

The 16 strategies I use to generate 6 figures from my podcast --> www.AppleCrider.com/cheatsheet

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#166 Today I had the pleasure of talking with Brian Kurtz, a true titan of direct response marketing. In this episode, Brian discusses advanced direct marketing strategies and the importance of building your list. By the end of this episode you will have a good understanding on how you can effectively use email marketing to rapidly grow your business. Enjoy!

Check more about Brian Kurtz --  briankurtz.me

Want to learn how to start your own podcast? I created a free training to get you started! --> www.AppleCrider.com/podcast

The 16 strategies I use to generate 6 figures from my podcast --> www.AppleCrider.com/cheatsheet

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#165: Today I had the pleasure of talking with Nick FitzGerald, a eCommerce Pro. In this episode, Nick discusses  eCommerce, building and leveraging your credit, and building out a team. By the end of this episode you will have a good understanding on how you can scale your businesses with credit card rewards and a strong team. Enjoy!

Follow Nick on Instagram -- @nickfitz

Find Nick on YouTube --   https://www.youtube.com/nickfitz 

Want to learn how to start your own podcast? I created a free training to get you started! --> www.AppleCrider.com/podcast

The 16 strategies I use to generate 6 figures from my podcast --> www.AppleCrider.com/cheatsheet

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#164 Today I had the pleasure of talking with Jon Macdonald, the founder and President of The Good. In this episode, Jon discusses on the things you need to look at on your website to make data driven decisions to boost your rate. By the end of this episode you will have a good understanding on how you can simplify your website and use it to make money. Enjoy!

Follow John on Instagram -- @jonmacdonald

Want to learn how to start your own podcast? I created a free training to get you started! --> www.AppleCrider.com/podcast

The 16 strategies I use to generate 6 figures from my podcast --> www.AppleCrider.com/cheatsheet

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#163: Today I had the pleasure of talking with Matt Morris, a top network marketing trainer and top earner inside one of the largest network marketing companies. In this episode, Matt discusses exactly what it takes to be successful in network marketing and why so many people give up before they start seeing traction. By the end of this episode you will have a good understanding on the behind the scenes on what goes on in the network marketing industry. Enjoy!

Follow Matt on Instagram -- @mattmorrisadventure

Find Matt on YouTube --  https://www.youtube.com/user/matthewdmorris

Want to learn how to start your own podcast? I created a free training to get you started! --> www.AppleCrider.com/podcast

The 16 strategies I use to generate 6 figures from my podcast --> www.AppleCrider.com/cheatsheet

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#162 Today I had the pleasure of talking with Mikey Taylor, former Pro Skater, and President of Commune Capital, a company that allows professional athletes and entrepreneurs to get a start in real estate investing. In this episode, Mikey discusses how he transitioned from being a pro athlete to investing in real estate on a large scale. By the end of this episode you will have a good understanding on the mindset you need in order to make a significant transition in your career. Enjoy!

Follow Mikey on Instagram -- @mikeytaylor

Want to learn how to start your own podcast? I created a free training to get you started! --> www.AppleCrider.com/podcast

The 16 strategies I use to generate 6 figures from my podcast --> www.AppleCrider.com/cheatsheet

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#161: Today I had the pleasure of talking with Chalene Johnson, a fitness entrepreneur and host of top 100 business podcast Building Your Tribe. In this episode, Chalene discusses how to build your loyal and dedicated tribe of followers online that will evangelize for your business. She will also talk about how she was able to grow her tribe and her blueprint in building her audience. By the end of this episode you will have a good understanding on the actual steps you can take and implement on your marketing. Enjoy!

Follow Chalene on Instagram -- @chalenejohnson

Want to learn how to start your own podcast? I created a free training to get you started! -->www.AppleCrider.com/podcast

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#160 Today I had the pleasure of talking with Jordan Platten, a 6 figure social media marketer. In this episode, Jordan discusses all things social media marketing and how he was able to scale his SMMA to $10k a month in 90 days. By the end of this episode you will have a good understanding on what you need to do in order to start a successful 6 figure SMMA. Enjoy! Follow Jordan on Instagram -- @jordanplatten Find Jordan on YouTube --   https://www.youtube.com/jordanplatten Want to learn how to start your own podcast? I created a free training to get you started! -->www.AppleCrider.com/podcast Follow me on Instagram --> www.Instagram.com/applecriderofficial For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#159 Today I had the pleasure of talking with Jeremy Haynes, CEO and founder of Megalodon Marketing a 7 figure SMMA. In this episode, Jeremy discusses how he quit working for Grant Cardone, scaled his digital marketing agency to 7 figures, and how you can start a SMMA today. By the end of this episode you will have a good understanding on things about sales, networking and risk. Enjoy!

Follow Jeremyr on Instagram -- @jeremy

Find Jeremy on YouTube --   https://www.youtube.com/channel/UCuzbImxdBNTUeolGXpLVL0A 

Want to learn how to start your own podcast? I created a free training to get you started! -->www.AppleCrider.com/podcast

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#158 Today I had the pleasure of talking with Brad Wayland, a business advisor at Quiet Light Brokerage. In this episode, Brad discusses how he got started in online business by buying 26 website and scaling and selling them. He will also share how to build a business to sell and specifically how to sell a website for 6 figures. By the end of this episode you will have a good understanding on the process of selling a website or online business. Enjoy!

Follow Brad on Twitter -- @bradwayland

Want to learn how to start your own podcast? I created a free training to get you started! -->www.AppleCrider.com/podcast

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#157 Today I had the pleasure of talking with Calvin Wayman, a social media entrepreneur. In this episode, Calvin discusses the personal finance philosophy that he has developed and leveraged to eliminae $60k of debt and grow a $500k business. By the end of this episode you will have a good understanding on how to become a digital entepreneur and how to build your finances up. Enjoy!

Follow Calvin on Instagram -- @calvinwayman

Find Calvin on YouTube --   https://www.youtube.com/channel/UCkhgrRRvfZ6bRARh4lqNZXA 

Want to learn how to start your own podcast? I created a free training to get you started! -->www.AppleCrider.com/podcast

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#156 Today I had the pleasure of talking with Anthony Sarandrea, Forbes featured entepreneur, lead generation expert, and philanthropist . In this episode, Anthony discusses deep on lead generation, effective digital marketing, and how you can get inside the heads of your customer. He will also share some actionable strategies on how you can start to apply method-acting marketing to your lead generation. By the end of this episode you will have a gameplan for improving your digital marketing. Enjoy!

Follow Anthony on Instagram -- @anthonysarandrea

Want to learn how to start your own podcast? I created a free training to get you started! -->www.AppleCrider.com/podcast

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#155 Today I had the pleasure of talking with Chris Baldwin, the fastest growing speaker in the Netherlands, a TedX speaker, and the founder of 10X speaking. In this episode, Chris discusses his best tips and strategies for becoming an incredibly effective and powerful speaker, along with some actionable strategies you can use to land speaking gigs as a total beginner. By the end of this episode you will have a step-by-step blueprint you can follow in order to get started in public speaking with no experience. Enjoy!

Follow Chris on Instagram -- @chris_baldwin_phd

Want to learn how to start your own podcast? I created a free training to get you started! -->www.AppleCrider.com/podcast

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#154 Today I had the pleasure of talking with Lauren Tickner, a 22 year old business mentor and coach to thousands of young entrepreneurs. In this episode, Lauren discusses how she got started on Instagram building her personal brand and is on track to scale that past 7 figures by the end of 2019. Lauren also dives into her high ticket coaching business model and how she is able to land high ticket clients by using Instagram. By the end of this episode you will understand the actions that you need to be taking in order to achieve the results that you want in your life. Enjoy!

Follow Lauren on Instagram -- @laurentickner

Find Lauren on YouTube --  www.youtube.com/laurentickner

Want to learn how to start your own podcast? I created a free training to get you started! -->www.AppleCrider.com/podcast

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#153 Today I had the pleasure of talking with Dave Hollis, CEO of The Hollis Co. The Hollis Company is a company that is focused on providing people with the tools needed to change their lives through personal development and empowerment. In this episode, Dave dives deep on how he spent 15 years working his way up the corporate ladder and then decided to jump ship and go into business with his wife Rachel. By the end of this episode you will have a roadmap you can follow if you are feeling a lack of satisfaction in your current work environment. Enjoy!

Follow Dave on Instagram -- @mrdavehollis

Want to learn how to start your own podcast? I created a free training to get you started! -->www.AppleCrider.com/podcast

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#152 Today I had the pleasure of talking with Ivan on Tech, blockchain and cryptocurrency expert, on his expecatations for the future of blockchain technology. In this episode, Ivan discusses how you can really profit from the rise of crypto and blockshain technology (and it's not by trading or investing in it!). By the end of this episode you will have a new understanding of the role that cryptocurrency and blockchain technology will play in the near future and how you can take advantage of the multitude of opportunities this presents. Enjoy!

Follow Ivan on Instagram -- @ivanontech

Find Ivan on YouTube --  www.youtube.com/ivanontech

Want to learn how to start your own podcast? I created a free training to get you started! -->www.AppleCrider.com/podcast

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!

#151 Today I had the pleasure of talking with Chandler David Smith, regional sales manager and real estate investor. In this episode, Chandler discusses how he was able to make nearly $100,000 his first summer selling door to door and what it takes to become successful in door to door sales. By the end of this episode you will have a blueprint you can follow in order to become a more effective door to door sales person and find more success in sales. Enjoy!

Follow Chandler on Instagram -- @chandlerdavidsmith

Find Chandler on YouTube --  https://www.youtube.com/channel/UCwrSXqysaxr7ZrnQOPnaf5Q 

Want to learn how to start your own podcast? I created a free training to get you started! -->www.AppleCrider.com/podcast

Follow me on Instagram --> www.Instagram.com/applecriderofficial

For 350+ videos subscribe to my YouTube channel --> YouTube.com/AppleCrider

For $20 all-in-one podcast editing check out www.podblade.com

P.S Don't forget to subscribe and leave a 5-star review if you enjoyed the show!