Young Smart Money

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

The Financial Wolf is one of the fastest growing YouTube creators in the make money online niche at only 18 years old. Today we are sitting down with Will a.k.a The Financial Wolf to talk YouTube growth, side hustle ideas, and the future of his YouTube channel. Enjoy!Add us on Instagram!TheFinancialWolfAppleCriderOfficialWill'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...

These are THE WORST credit cards you will ever find. After spending hours searching through the darkest corners of the internet, these 5 credit cards are hands-down THE WORST in existence.Add me on Instagram! - AppleCriderOfficialNot 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...

Getting rejected for a credit card sucks. But fortunately, you can still get approved for a credit card even if you were initially rejected. In this video, I'll break down how I was able to get approved for 4 credit cards that I was initially rejected for.Add me on Instagram! - AppleCriderOfficialI'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 ...

Building your credit as a college student is huge, and thankfully there are a ton of good credit cards for college students! Unfortunately, there are also a ton of bad credit cards marketed to college students that you'll want to stay far away from.Add me on Instagram! - AppleCriderOfficialIn 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 fees2) Easy approval for college st...

If you are thinking about cancelling a credit card, you are likely making a big mistake. When you cancel a credit card, you immediately hurt your credit score in a big way. In this video, I'll break down what you should do instead to build your credit score.Follow me on Instagram! - AppleCriderOfficialIf 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-iv6zSsMMFortunately, 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 c...

Credit Karma is a free service for checking your credit score. However, Credit Karma also has a host of features that can end up saving you some significant cash. In this Credit karma review, I'll break down how you can use Credit Karma for the greatest effect.Add me on Instagram! - AppleCriderOfficialMost 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 ...

In this video, I'm breaking down exactly how you can grow your credit score to 800 and above in no time. There are a number of strategies that I have used to quickly increase my credit score over the last few years and today I'm going to show you exactly how I went from 0-800 FAST.Add me on Instagram! - AppleCriderOfficialIncreasing 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, ...

Robinhood has crossed a line...well a number of lines. I'm leaving Robinhood and never looking back. In this video, I'll break down the 4 reasons I'm pulling my money out of the popular investing app.Add me on Instagram! - AppleCriderOfficialI 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 thi...

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.Add me on Instagram! - AppleCriderOfficialIn 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...