Young Smart Money

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?Add me on Instagram! - @AppleCriderOfficialIn 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 c

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.Follow me on Instagram - AppleCriderOfficialThese 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 i

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 - AppleCriderOfficialA 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 simultaneousl

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 - AppleCriderOfficialTONOR Q9 USB Microphone Kit   20% off code: SmartMoney20  Amazon Link: https://www.amazon.com/dp/B07JMYG6LFWebsite Link: https://www.tonormic.com/collections/usb-microphones/products/tonor-q9-usb-microphone-kit2020 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

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 - AppleCriderOfficialTONOR Q9 USB Microphone Kit   20% off code: SmartMoney20  Amazon Link: https://www.amazon.com/dp/B07JMYG6LFWebsite Link: https://www.tonormic.com/collections/usb-microphones/products/tonor-q9-usb-microphone-kitA 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 ha

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/B07JMYG6LFWebsite 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 s

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 "promot

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 Univers

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

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 anal

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

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 Leadershi

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/resourcesShow notes for this episode and all other episodes --www.applecrider.com/blogBecome a part of the Young Smart Money Community join the Facebook group -- http://bit.ly/YSMgroupFor more personal finance and entrepreneurship subscribe to my YouTube channel -- www.youtube.com/applecriderInterested 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 ou

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.yout

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 Fo

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 somet

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 illus

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/i