#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 


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Calvin Wayman: The Personal Finance Philosophy That Let Me Pay Off $60k In 12 Months

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

How To Buy A House As A YouTuber | Suzanne 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! TheFinancialWolf AppleCriderOfficial 
 Will's YouTube channel blew up last year when a video called "I Sold Candy At School For 1 Week" got almost 1 million views. Since this video took off, Will has doubled down on his YouTube channel while still being in high school and has been able to scale his channel to over 60,000 subscribers. 
 At the same time, he has continued to try out different methods of making money for teenagers beyond selling candy at school. Financial Wolf has had success with Shopify dropshipping, reselling, vending machines, and a host of other side hustles. 
 While pursuing these make money strategies for teenagers, Will has been able to make over $60,000 before turning 18 and document the entire process on his YouTube channel, Financial Wolf. 
 Teenagers and other students have been drawn to how real Will is in sharing the ups and downs of his different side hustles and being a genuine and relatable teenager himself. 
 In this podcast interview, Will shares how he was able to make money as a teenager and grow his YouTube channel so quickly. He also breaks down why he succeeded in some businesses like dropshipping, but failed in others like running a social media marketing agency. 
 Enjoy! 
 TIMESTAMPS (if you use these you gotta subscribe...I don't make the rules) 0:00 Intro 0:33 The Financial Wolf and Dave Ramsey 1:45 Making $2k Per Month At 15 5:50 Struggles & Failure 9:55 Vending Machines 12:35 The Financial Wolf YouTube Channel 20:05 Selling Candy At School 22:00 Goals & Future Plans 26:00 Financial Wolf's Income Streams 28:00 Question From  @Jake Carlini  33:00 What Makes The Financial Wolf Special 36:30 Who FInancial Wolf Looks Up To 39:00 Words Of Wisdom 39:34 Outro

Confronting Financial Wolf | How He Made $60,000 Before 18

These are THE WORST credit cards you will ever find. After spending hours searching through the darkest corners of the internet, these 5 credit cards are hands-down THE WORST in existence. 
 Add me on Instagram! - AppleCriderOfficial 
 Not all credit cards are created equal. Some can be great tools for scoring free travel or getting rewarded for spending you were already doing. BUT some credit cards are absolutely terrible and should be avoided like the plague. 
 These credit cards charge their user's hefty fees for things they don't need and provide TERRIBLE customer service and support. Many of the companies on this list have BBB and TrustPilot profiles full of complaints from people who were unable to close their card once they realized how bad it was. 
 Many of the cards on this list are what's known as Fee Harvesters. That means they're going to charge you annual fees, monthly fees, application fees, activation fees, and many more. SO that by the time you actually get a card like the First Premier Bank Gold Card, you will have already paid hundreds of dollars to First Premier and have noting to show for it! 
 If you're trying to rebuild your credit, it can be easy to get sucked in by these companies promising you a way to do it, but I can tell you there are so many better ways to rebuild your credit than working with one of these companies.  
 In fact, I have multiple videos on just this topic that will provide you with a list of MUCH better alternatives to choose from. Enjoy! 
 NO CREDIT CHECK CREDIT CARDS: https://youtu.be/wKrx5HCTCEc WHAT TO DO IF YOU HAVE ZERO CREDIT: https://youtu.be/uTlOvy62mYI 
 TIMESTAMPS (if you use these you have to subscribe...I don't make the rules) 00:00 - Intro 00:45 - #5 Mastercard Gold Card 02:58 - #4 Horizon Credit Card 04:41 - #3 Credit One Platinum Card 07:34 - #2 Continental Finance Mastercard 10:08 - #1 First Premier Bank Gold Card 14:37 - Outro 
 DISCLAIMER:  The views and opinions expressed herein are those of the author and do not necessarily reflect the legitimacy of these companies. Many elements have been exaggerated for comedic effect. Do your own research and come to your own conclusion. For entertainment purposes only!

I FOUND THE 5 WORST CREDIT CARDS FOR 2021 | NEVER DO THIS

Getting rejected for a credit card sucks. But fortunately, you can still get approved for a credit card even if you were initially rejected. In this video, I'll break down how I was able to get approved for 4 credit cards that I was initially rejected for. 
 Add me on Instagram! - AppleCriderOfficial 
 I've been rejected for my fair share of credit cards (at least 6), but of those, I was able to get 4 of the rejections reversed and actually get approved for the credit card on the spot. I was able to do this by calling up the credit card's reconsideration line and making a case for why I should be approved. 
 A credit card reconsideration line is exactly what it sounds like, a number you can call if you want to be reconsidered for a credit card. Most banks have a recon line that you can call and the process is pretty straightforward. 
 But, you need to know what to say when you call recon. In this video, I'll give you a script to use when calling a bank's reconsideration line as well as some of the most common reasons why you might get rejected for a credit card and how to prevent these. 
 By the end of the video, you'll be fully prepared to call the recon line. make your case for why you should be approved for a credit card, and reverse that credit card rejection you got. 
 TIMESTAMPS 
 00:00 - Intro 00:37 - What To Do If You Get Rejected 1:02 - The Reconsideration Line 04:18 - Reasons You’ll likely Get Rejected 08:10 - Things To Never Say 10:20 - Outro

What To Do If You Get REJECTED For A Credit Card [step-by-step]

Building your credit as a college student is huge, and thankfully there are a ton of good credit cards for college students! Unfortunately, there are also a ton of bad credit cards marketed to college students that you'll want to stay far away from. 
 Add me on Instagram! - AppleCriderOfficial 
 In this video, we'll be going over the best credit cards for students in 2021. College students have way more options than they realize when it comes to choosing a first (or second) credit card, and some of these options flat out suck. 
 There are a bunch of predatory companies targeting college students for credit cards that will hit them with ridiculous fees and make their lives terrible. But at the same time, there are some amazing student credit cards out there that will let college students build their credit and rack up rewards at the same time. 
 In order to make it on to the list of best college student credit cards for 2021, each credit card had to have: 1) No fees 2) Easy approval for college students 3) Good rewards potential 
 All of the best credit cards for students meet these criteria and some go way above them. 
 Additionally, if you stick around until the end, I'll share with you a pro tip you can use to build your credit FAST as a college student so you can become eligible for a host of amazing credit cards. 
 Enjoy! 
 TIMESTAMPS (if you use the timestamps, you gotta subscribe...I don't make the rules) 00:00 - Intro 00:37 - Criteria For A Good Student Credit Card 00:54 - #5 Tomo Credit Card 03:09 - #4 Journey Student Rewards Capital One 07:49 - #3 Bank of America Cash Rewards For Students 10:38 - #2 Chase Freedom Student 14:38 - #1 Discover IT Student Cash Back 17:50 - Bonus Pro Tip 19:13 - Outro

Calvin Wayman: The Personal Finance Philosophy That Let Me Pay Off $60k In 12 Months

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