“People are giving me positive feedback about it, but people are also criticizing me… I have to choose which one’s more important to me, which one I’m going to give more significance to…” -Apple Crider


Opportunities are rare. That’s why they possess the utmost value. However, oftentimes, we either fail to see them or grab them. In this episode, we learn from our guest, Apple Crider, how to recognize when opportunities knock and combat whatever fear that holds us back. As a successful young entrepreneur, he also fills us in on some financial skills that aspiring entrepreneurs must strive to develop in order to achieve their goals. Perhaps, the most daunting stage in a young person’s life is to take a stand for his or her own life. Older ones tend to have many expectations for their kids and even if they mean well, the right to choose which path to take is reserved by each individual. So if you’re still struggling to find out what to do with your life, tune in and get the motivation you need from today’s conversation.


Listen to the podcast here:


01:31 Being Unique at 20
04:29 What To Do With Your Money
08:41 How to Get The Most Out of School
12:38 Swing Dancing- the Rhythm of Connection
16:47 How to Conquer Fear
23:14 Take The Opportunity 
36:56 The Apple Crider

You can be wise beyond your age. Join in as @myexpectation interviews @CriderMedia on the financial skills that young entrepreneurs must develop. #epiphanies #expectations #perspective #firststep #finances #podcast #nofear #opportunies Share on X


Expectation Therapy: Mastering Your Expectations by Art Costello
The Intelligent Investor: The Definitive Book on Value  Investing. A Book of Practical Counsel by Benjamin Graham
Rich Dad Poor Dad: What The Rich Teach Their Kids About Money- That The Poor And Middle Class Do Not by Robert T. Kiyosaki 
Young Smart Money with Apple Crider



“To live someone else’s dream just doesn’t make sense.” -Apple Crider

“…what separates people- There are the doers, and there are the talkers.” -Art Costello

“People are giving me positive feedback about it, but people are also criticizing me… I have to choose which one’s more important to me, which one I’m going to give more significance to…” -Apple Crider

“It just comes down to being clear about what you’re trying to do and having some perspective…”  -Apple Crider

“It’s about taking that first step. Because if… you’re waiting for some opportune moment, it’s never going to come around.” -Apple Crider

“What we expect of ourselves matter. And when you’re so in tune with who you are at your core, you live to that, not to the expectations of others.” -Art Costello

“When you live your dream, you create your own stories, and you don’t have to live off of the stories of others. It’s your story.” -Art Costello


Meet Apple:

At his 20’s, Andrew “Apple” Crider is already a thriving young entrepreneur. He is the Founder of Crider Media, Co-Founder of Podblade Podcast Editing Services, a sought-out speaker and the host of Young Smart Money, a Top 100 Business Podcast. All these while still attending college. He has a passion for digital marketing and personal finance. His mission is to provide today’s aspiring young entrepreneurs the skillset and toolset they need for success. When he’s not podcasting, he’s probably swing dancing.




Art Costello: Welcome to the Shower Epiphanies Podcast. Today, I am thrilled to have a young gentleman from, I’m actually not sure where Apple Crider is from, but I know he goes to school in Wisconsin, and he’s very industrious. He’s 20 years old and he hosts Young Smart Money, a Top 100 Business Podcast, speaks at conferences around the country, is working on finishing up his 4 year degree in two and a half years. He has a passion for digital marketing, personal finance, on a mission to provide young people with the tools they need to find success, whatever that means to them in their lives. When he’s not podcasting, he’s probably swing dancing. Welcome Apple. Glad to have you.

Apple Crider: Thank you so much. I’m stoked to be here and hoping to inspire some of Epiphanies in the listeners today.

Art Costello: Yeah, we’ll get to lots of Epiphanies. Can you tell us your story? In 20 years, you’ve done so much and you’ve accomplished so much more than most 20 year olds do. And I have a great deal of admiration for you because you do what I think your heart desires and your gut tells you to do so. Can you tell us your story?

Apple Crider: Absolutely. So I think, first of all, I just want to preface it by saying I’ve got a lot more to do, and I think comparing myself to like the average 20 year old, I think there’s a lot of like, it really depends, like so many people have so many different goals that I just feel like I never want to think of myself as higher or better than anyone else. I think what I have done is unique to me, but I wouldn’t say that it’s better than the next person over.

Art Costello: Let’s talk about that for a second because, boy, you got on my bandwagon real quick right there. I believe that when you set your own expectations, when you have your core expectations and you don’t live to the expectations of others, you accomplish what you’re accomplishing. You’re living to your set of standards, your set of goals. And it’s different for every young person out there, for every old person, for every child, it’s all different. And that’s what we got to realize that we are all friggin different.

Apple Crider: Straight up, we’re all on different paths, and I think, yeah, trying to put yourself in the same path as someone else, or trying to, I don’t know, to live someone else’s dream is just, it doesn’t make sense. And that’s kinda what I was doing my first year of college, which we’ll get there. But starting off at like my story, my whole passion with, like you said in the intro, personal finance really started at a very young age. So about as young as six years old, I can vividly remember being very cognizant of how my parents interacted with money, how they decided what to spend money on. When we went out to the store, I remember my mom looking at price tags and commenting on whether something was cheap or expensive, and making financial decisions, and all of that stuff really stuck with me. I was very cognizant because from an early age I realized that money played a very important role in our lives, whether we like it or not. I realized that money was going to be something that I was going to interact with very frequently, and then it was going to dictate a lot of the decisions that I was able to make in my life. So that being said, I was very cognizant of money, and I’ve always really been a lot more of a saver than a spender. So I started working part time jobs probably around 11 or 12 years old. My uncle actually owns a campground in rural Minnesota.

“To live someone else's dream just doesn't make sense.” -Apple Crider Share on X

I’m originally from Minneapolis, but my uncle’s got a campground about two hours outside of town, where as soon as I was old enough to stand behind a cash register and take someone’s money, he had me working back there all summer. So I’ve been doing that since, yeah, about 11, 12 years old. So when the time came that I was about 16, 17 years old, I had a pretty decent amount of money saved up in a savings account. And like I said, I don’t really spend that much money as a kid. My parents really supplied me with all the food that I needed. So it was really just like going out for the movies once in a while, maybe buying some video games. But other than that, I wasn’t really spending that much money. So I got to like 16, 17, and I was thinking, I was like, well, I’ve got like a couple thousand dollars in this savings account earning like .000001% interest at US bank. I’m like, there’s probably something better that I could be doing with this money. So that’s when I took it to, one of my favorite mentors, which is a YouTube search bar, and I typed in the search bar what to do with my money, or something along those lines because I was just, I was curious, I was like, what can I do with this money? Because I feel like there’s potential here that I’m just really not taking advantage of. So that led me into the world of the stock market. And prior to this, I really had no idea what the stock market was. I knew it existed at one point in time, actually probably around 13, 14 years old. My family played in this stock market game where we all had like 10,000, 100,000 fake dollars to invest in the stock market and whoever won, the other two people paid them like 50 bucks or something. So we did that.

My step dad ended up winning, so I didn’t even win that. But that was like my first exposure to stocks. I didn’t even really know what they were, I was just picking names of companies. I just picked by target and companies that I knew of. But once I started learning about the stock market and figuring out like, Oh, these are actually like shares of a company. If I buy these things, I’m like a part owner in like Apple, or Amazon, or Facebook. So I started getting deeper into that side of things and opened up a Roth IRA, which for the listeners that aren’t super familiar, it’s like a tax advantage retirement account where the gains that grew on the money that you invest, you actually get those tax free. So you pay taxes before you put the money in, and then once it grows, you withdraw it, and then there’s no taxes. So super, super cool, really, really good tool for young people. So that was the start or my start rather into the world of personal finance. And from there, I got deep into the world like budgeting, and building credit, and all these different aspects as well. But it really all started with that Google search, with that YouTube search of, what do I do with this extra money?

Art Costello: That’s pretty cool because you don’t find many young 11, 12, 13 year olds, even having that kind of insight into what money does, and how it does, and it’s really great. Where do your parents have a major role in actually teaching you that? Or did you really just pick it up on your own, from just general interaction?

Apple Crider: No, I have to be honest with you. My parents don’t, I mean, they’re definitely knowledgeable about investing. I mean, my dad has like a 401k with this company, and my mom, she runs her own business, so she’s fairly knowledgeable in the world of investing, but I mean, they come to me asking me questions about investing, so I never really learned anything from them, it was mostly just from books. “The Intelligent Investor” by Benjamin Graham. “Rich Dad, Poor Dad” was like the first business book I ever read. So that one was pretty pivotal in terms of distinguishing between assets and liabilities. But it was really just books, and YouTube, and blog articles here and there. But no, my parents really didn’t play a huge role in that side of things at all.

Art Costello: And it’s really kind of worked into a great platform that you have because you’re now using the knowledge that you’ve gained over the past seven or eight years in your young life to actually teaching college students how to invest. And I really thought that that is brilliant niche marketing because no one’s covering it. I mean, they talk about student debt and all that, but no one tells students how, I mean, even in high school, they don’t teach how to save. I always think back to my days, because I’ll tell you, I have generated tons of money in my life. I have spent as much as I’ve ever earned, some of it out of necessity, and I grew a lot of assets. And then in 2006, I lost my wife to cancer and ended up having a huge amount of medical bills to pay, and I promised her I would pay him. And I had a plan, and sometimes plans don’t work. But when you’re doing what you’re doing, teaching people at a very young age, they can accrue massive amounts of money and actually retire, if there is such a word, I don’t believe in retirement because I don’t think I’ll ever retire. But that is really admirable to you, I mean, to teach others about that because you could be, I know we talk about millennials being selfish and all that kind of stuff. You’re unselfish, because you’re teaching others how to do it. Can you tell us about your business that you do for college kids.

Apple Crider: For sure. And art, I’m really sorry to hear about your wife. I can’t even imagine what that’s gotta be like. But as far as the teaching side goes, I really got started with that around the same time, like 17, 18 years old. I just wanted to talk about this stuff with my friends because I was super interested in it, learning about investing and stuff, and I was like, well, y’all should learn about this. So I went to my friends after school and they were like, dude, I don’t care about a Roth IRA. I don’t need to think about that dude. I’m 18 years old, I just want to, I dunno, like buy alcohol and drugs, I don’t care about this stuff. So I really didn’t have a group of people that I could share this information with that would actually listen to me. So that’s why I started my YouTube channel where I was just putting out videos and basically talking about the stuff that I wanted to talk about, but nobody wanted to listen to. So it was really just a creative outlet for me. I never really thought of it as a business. And even today, I’ve never really run my YouTube channel or anything like a business. I mean, your ads on it and it makes, I don’t know, maybe like 100 bucks a month for me, and I don’t really do anything with it, but like all in all, it’s really just been more of a creative outlet for me to talk about the things I don’t want to talk about without having those people around me, the ones that listen. So that was kind of where that got started, and then, yeah, over time, I just kept making videos. I got really into it, I never really, again, never really ran like a business, it was really just like a little art project on the side for me to keep me busy and stuff. I was in school because, I mean, school can take up some of your time, but for me, I like to follow the 80/20 principles of, I’m going to put in 20% of the time in school, it’s going to give me the 80% of the results, so I’m not going to go that extra couple hours to get the A plus in the class when I could just settle for a B and learn the things that I want to learn.

My whole objective with school is really to learn the things that I want to learn and to get the knowledge that I want to get out of the class. Beyond that, as long as I pass, I’m totally fine. I don’t really care about my GPA at the moment just because I don’t think that’s going to be the strongest thing on my resume. So if I ever do want to approach someone about hiring me, I don’t think I’m going to be relying on my GPA to tell the story of who I am. So that’s why I’ve been more focused on just some what I actually want to take out of school. And a lot of that is subject matter itself, but a lot of that is also the soft skills because like you mentioned, I’m actually graduating school about a year and a half early, which means that I’m cutting short a lot of this time that a lot of my parents and the older people in my life talk very highly about their time in school, and a lot of that has to do with the relationships that they build, the people that they met, and the interactions that they had. So I really want to, and I really am prioritizing those soft skills because when else am I going to be around a hundred thousand people all in my age group from so many different walks of life that are so willing to just sit down and have a conversation, and to have this common ground with them. So I’m really focused on taking advantage of that and learning the soft skills that I can because given the fact that my goal is to help young people get more established and build financial skills, if I can’t relate to them, if I’m so one dimensional that all I can talk about is entrepreneurship and like high level personal finance, how can I expect to make any real difference on these people’s lives if I can even start up a real conversation. Because my first year of school, I was so one dimensional. All I focused on was putting out content and learning this stuff that I really, I had very few friends, I didn’t really have any close friends, and I couldn’t relate with people. People try to start a conversation with me and I just, I couldn’t do it because I didn’t know anything about, like pop culture, what was going on in the cultural [inaudible] like, I didn’t know anything, I was so one dimensional, and I realized that that’s not who I wanted to be. That wasn’t the person who was going to allow me to really fulfill the goals that I had for myself. So that’s WHY I’ve moved more into prioritizing those things. That’s why I became a swing dance instructor a couple months ago, and just been trying to prioritize the relationships in my life.

Art Costello: Now that you brought up swing dance, and I was going to ask you how you got into swing dancing?

Apple Crider: Yeah, so it’s kind of a funny story. Me and a couple buddies of mine, we started this or resurrected this coworking space on our college campus, and when that happened, one of the things that we wanted to do, there were like five of us guys who had gotten this thing put together, and one of the things that we decided we wanted to do was routinely get out of our comfort zone. So we started this like a little event series for ourselves called ‘Daydreamers and Dragon Slayers.’ So we basically, we do these things that were like daydream activities, we went to a piano bar, and we would do these things like meditation, and relaxing, and stuff. And then we’d also do dragon — stuff to get out of our comfort zone. So one of these things we did was, we ran a half marathon with pretty much no preparation whatsoever. Well, one of those was going swing dancing. So we all, us five like awkward entrepreneurship dudes went swing dancing, they all hated it. I was in love, and I was like, I need to do more of this. This is amazing. It’s a great way to connect with people, and just get more comfortable with people. So I just kept going and kept going, every single week I went back, none of the other guys stuck with it, but I’m like, I’m doing this every single week. So I started doing it, and then after a few months, I had gotten decent at it, I would say. So since I was about to be done with school, I was like, what the heck? I’ll audition to be an instructor for my last semester because I think that’d be a pretty cool, pretty cool thing to do. So I did and I got it, and now I am doing that.

Art Costello: That’s so cool. I’m a big promoter of people doing what they do, not worrying about what other people expect of them or want of them, but doing what they want to do. When you talked briefly about it, you didn’t want to be one dimensional.

Apple Crider: Yeah.

Art Costello: I can’t ever imagine you being one dimensional, because you have such a zest for doing, and that is what separates people. There’s the doers, and there’s the talkers. There’s people that talk, and then there’s people that do it. You’re one of the people that go out and you’ll try different things, you’ll try new things. In my book, Expectation Therapy, I talk a lot about having expectations based on faith and fear, and I believe that there’s a DNA component to our expectations, which we can get into later, but I’m working with some doctors about identifying the genes that affect our expectations. But back to you with this, I think at some point in your life, you got maybe at birth that see the expectation was planted in you. You are just destined to do great things because you don’t let fear stop you. Now I’m not talking about the fear of walking out into traffic in front of a 90 mile an hour truck, I’m talking about that everyday fears that we have that stop people from living who their true authentic self is. And you seem to have shaken that. Do you agree, or disagree, or can you shed some light on what you think, what your thoughts are on how you got there?

“...what separates people- There are the doers, and there are the talkers.” -Art Costello Share on X

Apple Crider: Yeah, I think that’s a really good point that you brought up because a lot of people will let fear get in the way of taking action on the things that they want to do. They’ll have these ideas in the back of their head that they’ve been toying around with for awhile.

Art Costello: Even things they need to do, not only want to do, but things they actually need to do for their wellbeing, whether it be financially, relationship, anything. They don’t do them sometimes.

Apple Crider: Yeah, I totally agree. And yeah, a lot of that is just fear-based. People are worried about what they’re parent’s will think, or what their friends will think, or what their significant other will think, or what random people online will think. And for me, that was definitely a huge thing at first. Like when I started my YouTube channel, I was extremely self conscious, and when I started putting content out there, putting myself out there, I was like, dude, what are people gonna think of me? I don’t know about this. Who am I to even be talking about this in the first place? I’m like 18 years old, why would anyone listen to me? People are going to say it’s a bad idea. So I had a lot of those self doubts in the beginning and I think it really reflected in my content to be honest with you. I’ll go back, and I mean, a lot of those videos aren’t online anymore, but some of them, I don’t know. I look back at them and I’m like, yeah, I can really tell that I was uncomfortable there, and that I was worried about what other people would think. And when I was recording these videos, I was actually in the basement of the dorm that I was living in at school. And there was a window right out into the hallway, so people were always walking by while I was recording. And sometimes they would stop and look in and be like, what is he doing in there? Why is he standing at that whiteboard talking to a camera? That’s so weird. So that was actually, I never really thought about that, but that was one of the biggest things that helped me get over. While I was doing this, people would just routinely be walking by and just staring at me. And I could either choose to stop and pretend like I was just hanging out in there, or I could just keep going and pushing through it and just keep doing my thing. So that was one of the big things that got me through. But to be honest with you, it really just comes down to perspective. And I had to think about it, okay, I’m doing this stuff, I’m enjoying it. People are giving me positive feedback about it, but people are also criticizing me. Okay, so I’ve got like both sides of the coin here. I have to choose which one’s more important to me and which one I’m going to give more significance to and just care more about. And for me, I chose to care more about the people who were saying things like, wow, I took your advice, I opened a Roth IRA, I just invested my first $500 and I’m so excited to continue doing this. Or people who are like, I wish I would’ve had this advice when I was your age.

“People are giving me positive feedback about it, but people are also criticizing me… I have to choose which one's more important to me, which one I'm going to give more significance to…” -Apple Crider Share on X

And all these people who were just giving me such positive feedback about the stuff that I was doing, I just to give so much more importance to that. And the people who are saying like, Oh, who were you to talk about this stuff? You’re only a kid, you don’t know what you’re talking about. So for me it was really just, yeah, deciding that I was going to put myself out there, and even if people were going to say negative things about me, I wasn’t going to let that get in the way of my mission to impact people and to provide useful things to them because I was finding out that this stuff was useful, and I wasn’t going to let some random people online, some faceless avatars online tell me that I was not smart for doing it. So yeah, it just comes down to being clear about what you’re trying to do, and having some perspective on the fact that random people online, when they have that veil of they can do whatever they want, they will do whatever they want. And a lot of times that’s going to be negativity, but you don’t have to let that directly impact you. And it’s a lot easier said than done, but it’s just about taking the first steps, and once you make that first video, you record that first podcast, you post that first Instagram post, it just gets easier from there, okay. But it’s about taking that first step, because if you don’t take that first step, if you’re waiting for some opportune moment, it’s never going to come around. So you need to really just take that first step and realize that it’s not as bad as you make it out to be in your head. You’ll make up all these, all these scenarios of, Oh, I’m going to lose all my friends and all this stuff, but it’s not real, and you’re never going to know what’s going to happen until you actually do it. So honestly, at this point in time, I care very little about what other people think of me. I really just don’t walk out in public, I don’t know anything about fashion, I don’t know anything about style, and I’ll just walk out in public doing my own thing, and I could care less what anybody thinks about me, my appearance, whatever. Just because I’m not going to let that stuff have weight in my life, when it just doesn’t deserve to random people’s opinions, they’re great and I’ll listen to them, but I’m not going to let those dictate the decisions that I make in my life.

“It just comes down to being clear about what you're trying to do and having some perspective…” -Apple Crider Share on X “It's about taking that first step. Because if… you're waiting for some opportune moment, it's never going to come around.” -Apple Crider Share on X

Art Costello: Man, you are right in my alley. I mean, because it really comes down to our expectations, and what we expect of ourselves matter. And when you’re so in tune with who you are at your core, you live to that, not to the expectations of others like we talked about, and look where it’s led you. I mean, let’s talk about your podcast. I mean, your podcast is great. You do that fearlessly, you throw stuff out there. I mean, I’ve listened to them, I love it. I think back when I was 20, I was still in the Marine Corps, so I had just come home from Vietnam. At that time, I had $7,000 in the bank, and at that time 7,000 was a pretty good amount of money. But I had saved it while I was in Vietnam, and I did some good things, which you can read about me about what I did, but I wished I would have known what you know at 20 years old and invested it. I had the GI Bill to go to school, and I told you, I started working at a hospital full time. I carried a full load at school, and I carried a full load at work, 40 hour work week. And then I manage rock and roll bands. And how I came about that was, my roommate was a music major, he had a rock band, and he walked into the house one day and said: “Yeah, I can’t find a band any work and blah, blah blah.” And he said that. And I turned around and said to him: “Here, I’ll manage it, I’ll find it.” And I started managing his band, and got them working all the way from LA to San Diego, because we were going to San Diego state at the time. And we kept him working, and then the second band came, and then the third band came, then the fourth band came, then the fifth band came. And pretty soon, I had a business, and I was making more at that than I was anything else. So it’s when you have opportunities and you don’t take them that it stops you. So you’re taking the opportunity now with your podcast and it’s great, and I think you’re going to do great things with your podcast. I know it’s already ranking and rating real strong, and tell me your feelings about where you’re going to go with it, what you’re gonna do with it?

“What we expect of ourselves matter. And when you're so in tune with who you are at your core, you live to that, not to the expectations of others.” -Art Costello Share on X

Apple Crider: Yeah. And I think what you said about opportunity is key as well. And a lot of people, they’re waiting for some kind of opportunity, but even when the opportunity comes, they don’t even know it’s there. So you really need to be able to move through life knowing what you’re looking for, and being able to, even if something comes your way that isn’t exactly what you were thinking you were looking for. Know when to jump on things, and know when to take that leap into something that you don’t know is for real.

Art Costello: This is my mantra, I believe in the possibility of everything because everything is possible. So when you think that way, and you’re open minded about everything that comes, you know, my second business that I developed after I left the music business, which is another whole story we could go about. But after I left the music business, I started a construction company. You know what I did? I vacuumed the rock off of the roof so the roofers could re-roof the buildings, you know the rock roofs that are on the buildings. I vacuum that rock off. It paid really well. Big vacuum trucks, went from a little one to a great big one. But that’s what I did for 20 some years. Hard, dirty, filthy work. But boy, it paid well, and it afforded me to have a beautiful home, a beautiful car, a beautiful boat, a beautiful motorcycle. All the things that I ever wanted, my kids to school, it provided all of that a simple thing. And it came about by taking an opportunity that somebody presented to me and just moving on it. When I see opportunities, I jumped, and I have a feeling you’re the same way.

Apple Crider: Absolutely. I mean, yeah, you just gotta be, especially realizing how young I am, and how many safety nets I’m afforded, just knowing that my parents are so supportive of me, and that relationship is in very good standing. I have so many safety nets in my life right now but I realized, even if I do jump on something and it falls through, I have people in my corner, I have money that I can fall back on, I live extremely frugally, I don’t need to worry about really any expenses other than, I mean, paying rent and buying food, that’s really all I need to pay for right now. So for me, it’s a lot easier. I know some people aren’t afforded that luxury, and they have things in their life like children, and like a mortgage, and all these things that don’t make it as easy for them, but I still think that there is huge opportunity for you to take advantage of the things that do come your way regardless of what your situation is. Again, it’s going to be easier for some people than others, but it’s about keeping your eyes open. And for me, I sort of got exposed to the world of podcasting through a radio interview that I did on campus.

So one of the first quotes unquote like businesses that I was running two years ago was, I was growing Instagram accounts for people. So I was helping them build up their followers, get more targeted people to find their stuff, and just helped them blow up on the platform. So I was doing that, I would make a little bit of money, and my local radio station heard about it and they wanted to have me on the radio to basically interview me for half an hour just to see what I was doing. And they were like, this college kids making some money doing this Instagram thing, that sounds pretty cool, so let’s get him in here. So after doing that, I was like, dang, that was so cool. I was able to just sit down and share my story, get to know these hosts a bit. So I was just hooked on the hole interviewing and connecting with people in that way. So from there, I basically just Googled, how do I interview people? Because prior to this, I actually had no idea what a podcast was. Prior to starting my own, did not know what the word podcast meant. I found the world of podcasting again through one of my favorite mentors, that YouTube search bar, and decided that’s what I was going to do. So flash forward like three, four days later, and I already had my podcast up and going, and I was creating content. So it really just came down. Yes, seeing that opportunity and then just hopping on it, not wasting any time, not thinking, Oh, is this a good idea? Is this a bad idea? I was like, what the heck? I enjoyed that experience. I’m going to do this, we’re going to see where it goes. And I mean, here we are two years later, and I would say it was definitely a move that I do not regret taking whatsoever.

Art Costello: I just have a thought, I just came back from the New Media Summit in San Diego, which is a podcasters, where people get to pitch their stories in podcasters, they call them icons, get to choose who they want on their shows and all that. But the first time I did it, I got booked on 37 shows to come in and tell my story and all that stuff. And that got me really into podcasting, and then I started my own show. But when I was just at this last one, I ran into this young lady, she’s nine years old. She has been podcasting since she was like five and six with her mom and dad. I’m going to have her on the show, on our show, which she is really, the two of you are just perfect because she is so wise for her years. I mean, just incredible, and you too remind me of each other. But she’s so dynamic, for nine years old, in the insights that she has, and you’re the same way. And I’m so proud of you guys for digging deep into your own soul and searching for what life means to you. And I think your parents should be so proud of you, and I pray they are, and I think they are.

Apple Crider: I appreciate that.

Art Costello: Yeah, because, I mean, you are the epitome of what I call the perfect kid.

Apple Crider: Nah, I go that far. I got some stories to tell you.

Art Costello: Yeah, well, I’m sure because you’re living your dream, and when you live your dream, you’re going to have those stories to tell. That’s what creates them. When you live your dream, you create your own stories, and you don’t have to live off of the stories of others. It’s your story, and that’s what makes it so authentic, and powerful, and makes you who you are. And I’m proud of you. I’m going to tell you that right now, I’m really proud of you. I’m so proud of you, I’m always lost for words because, and that’s rare for me because I care so deeply about people, and the people that I have on my show, I bond with them. And you’re just one of these people that have really struck a nerve with me. I see a lot of myself in you, then I see a lot of not me in you, I wish was in me, but it’s great. We talked about your podcasting, I’ve got a question for you.

“When you live your dream, you create your own stories, and you don't have to live off of the stories of others. It's your story.” -Art Costello Share on X

Apple Crider: Yeah.

Art Costello: And it’s going to be one of my odd balls off the wall questions.

Apple Crider: I’m ready for it.

Art Costello: If I gave you $1,000 today, what would you do with it?

Apple Crider: What would I do with it? Well, okay, I mean, I’ve got my boring answer, but I mean, so what I do with the money that I make right now is I largely just put it into a high yield savings account, but that’s pretty boring.

Art Costello: But that’s what you do with your money.

Apple Crider: That’s what I do with my money that I make, yeah. Okay, if you just gave me it–

Art Costello: If I gave you $1,000 of my money, what would you do with my money?

Apple Crider: What I do with your money? I mean, okay, okay.

Art Costello: I want you to be honest. Tell me what you do with my money.

Apple Crider: I mean, okay, I guess what I would do with your money would be, well, wait, is this money that you want to just give to me as a gift, or to like–

Art Costello: It’s my money, it’s not your money. It’s my money.

Apple Crider: It’s your money. So I would take your money and use it to creatively market, the Shower Epiphanies Podcast to a lot of people.

Art Costello: You just did something that really shows your character. Do you know what that is?

Apple Crider: What?

Art Costello: You didn’t say you would do something for yourself. You said you would do something for me.

Apple Crider: Yeah, it’s your money.

Art Costello: Okay. A lot of people would have answered that question. I would have taken my money and put it somewhere safe, like in a savings account, or done something safe with it where it’s just not going to create a lot. But by investing in my podcast, you have faith in me. You’re saying you have faith in me. It’s pretty powerful when you think about it. It’s a different way to think about it because my next question was going to be, if I gave you $1 million, what would you do with it?

Apple Crider: I guess the podcast, we’ve reached a lot of people with $1 million.

Art Costello: So it’s just one of those questions I just had to ask because it, tells a lot about who you are in a different way, a different question, ask people that on your podcast sometime.

Apple Crider: Yeah, that’s a good question.

Art Costello: About something, what would they do with something? And see what the reactions are because it will tell you a lot about people. What’s coming up for you? What’s some of the things that are happening, and can you tell us about some of your secret things that you’re creating?

Apple Crider: Sure.

Art Costello: I know there are secret things in that.

Apple Crider: Oh, I mean, the big thing on my radar right now is graduation, as we recording this, about two months left of school, and then I am graduating, so come December, I’m going to be done with school, my lease is up. So I’m still not even entirely sure where I’ll be or what I’ll be doing. As of right now, my plan is to do a self led study abroad. So since I expedited my school time here, I didn’t have time to go study abroad. So I’m thinking I just want to take three to six months and run my own trip, go to a couple of places for a little while and see what there is to see. But that’s a big picture as far as business stuff goes, I’ve recently launched in the last three to six months, this podcast editing agency. So for any of the podcasts out there, I’m sure a lot of you guys know that if you do wanna get your show professionally edited, you’re usually looking at about 80 to $100 price tag per episode. And for a lot of people that’s just not very realistic, I know for myself, when I wanted to start outsourcing my podcast editing, because at one point, I was doing a show every single day of the week so it was tough for me to record, and then edit, and then produce, and publish, and there was a lot of stuff going on. So I wanted to find someone who could take that huge time investment off of me and help me out with that. So I didn’t have 80 to $100 that I wanted to invest in each episode, so I found some people who had huge potential, train them up, and now we have this team of people who are now very skilled at podcast editing. But through the systems we’ve developed, we can do it much, much cheaper than everybody else. So we’re charging $20 per episode for audio editing, video editing, and social media posts, which, I mean we’re doing three times as much as everyone else for a fifth of the cost. So it’s like a no brainer for anybody that I tell about it. So it’s been really cool to see that come off the ground, and to just gain so much momentum so quickly. So that’s been the next big project that I’m working on. But other than that, it’s really, it’s just doing my own podcast, and meeting cool people like yourself.

Art Costello: That’s going to fly off the shelf because you and I both know what the cost is. I mean, it gets up there.

Apple Crider: It does very quickly.

Art Costello: Very quickly. So everybody out there that’s listening, and I do have a lot of podcasts that actually listened to this podcast.

Apple Crider: Well, there we go.

Art Costello: Hopefully that will get you some business. We will put all this in the show notes also so people can find out where to get in touch with you, but can you give us that information? Where can people that want to get in touch with you, what your websites are, what your email is, what’s your social media stuff is and all that.

Apple Crider: Sure. So my website is just AppleCrider.com, that’s going to be my personal stuff.

Art Costello: Hold it, hold it. I forgot to have you tell the darns story about how you got your name. I know how you got it, but can you briefly, before we go on with this, tell everybody how you got your name.

Apple Crider: Absolutely. So if you look on my birth certificate, you’re not going to find the words Apple Crider, you’re actually gonna find the words Andrew Crider. So the story goes in second grade, a good buddy of mine thought that Andrew Crider sounded like apple cider, and being a second grader, I was like, you know what? I mean, Apple’s a pretty cool nickname, I think I’m just gonna roll with that for awhile. And I mean, here we are 14 years later and it’s still here. So I toyed around with the idea of dropping it when I left high school, I went to left middle school, but honestly it just really became a part of like who I was, and I feel like I’ve really grown into it. So I mean, now my professors call me Apple, people that really don’t call me Apple are my parents, because they named me, and I think they kind of liked the name that they gave me more than the name I gave myself. But other than them, everybody calls me Apple, and it’s workable for branding, people remember me. When I go to events, they remember the dude with the bandana, crazy hair, and his name is a fruit, so it’s worked out pretty well I would say. But yeah, that’s where that came from.

Art Costello: That’s cool. I love it.

Apple Crider: Thank you. Yeah, and then as far as the other stuff goes, I mean, podblade.com is where the editing stuff is. So pod as in podcasts, and blade is like a sword, podblade.com is where that’s at. And then if you want to shoot me an email, AppleCrider.com is the best place to do that. I’m not super active on social media. Instagram is probably the best place, I’ll check my messages every once in awhile. That’s applecriderofficial, but other than that, yeah, hope you guys enjoyed, and I hope you reach out.

Art Costello: And everybody, I hope that you all reach out to Apple and not only take them up on his financial advice but look into his podcasts, there’s a lot of great information at it. He’s a great young gentleman, one that what we say in Texas when you’d like to bring home to your mom or something like that. So he’s very industrious. I have a great affinity for him. He’s super, and we’re going to have him on again in a few months or so, and see how this is all progressing–

Apple Crider: I look forward to it.

Art Costello: So with that being said, everybody knows where they can get ahold of me, art@expectationtherapy.com, we look forward to having you back next week. And Apple, again, it’s been a pure pleasure and joy to have you on the show, and Heather White, you can take us out of here.








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