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Young Smart Money

Young Smart Money

Author: Apple Crider

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Young Smart Money HOSTED BY APPLE CRIDER 🍎 is a Business and Entrepreneurship podcast 🎙 for young entrepreneurs 👶 that contrasts the experiences of startup founders 📈 and social media influencers 📲📷 to help you understand the key differences and determine which appeals to you (if either). 🤷‍♂️💸 Follow along with all things YOUNG SMART MONEY 👶🧠💸 and APPLE CRIDER 🍎 on Instagram @AppleCriderOfficial. Please subscribe to Young Smart Money on iTunes 😍📲 & leave a 5-star review if you gained value from the podcast. ⭐⭐⭐⭐⭐ P.S. I appreciate y'all! 😜

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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. Add me on Instagram - AppleCriderOfficial 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. Add me on Instagram - AppleCriderOfficial 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 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. Add me on Instagram - AppleCriderOfficial 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 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. ~ 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: 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) 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/ --- 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 --- 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. --- 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 --- 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 --- FREE podcasting community: www.podcasting.group For 350+ videos subscribe to my YouTube channel -- www.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!
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! ~ 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: 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 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!
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 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!
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Comments (12)

Andrew Eells

I love the show my dude!! Keep it up, have fun in thailand! The interview with Chase Namic truly opened up my eyes to how a remote entrepreneur can scale his/her business! The interview with Liam Martin inspired me and guided me in this journey of being a remote entrepreneur. Season 2 has a great new direction, sorry it took me so long to write a review as I have been listening to the show for almost a year now!

Mar 20th
Reply

Ashley Saldanha

Love the new direction you’re taking Apple ! Very excited for YSM in 2020 🙏🏾

Feb 20th
Reply

Dannon Basaldua

welcome back, brother. you've been missed.

Feb 14th
Reply

Sorenna Zabihi

I'm not impressed easily... but this episode just had me in awe... because I literally saw myself in Stephen.. like I could feel whatever he was talking about... thanks for providing us with great content man...

Oct 29th
Reply (4)

Robin Bhan

Thank you for the insights

Mar 27th
Reply (1)

Rahil Sheikh

Osm podcast I listen him on daily basis he truly share good content

Feb 7th
Reply (1)
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