The Growing Hatred For Finance Influencers
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- Опубликовано: 24 окт 2024
- Recently, I've observed a gradual change in how people view finance influencers. What once served as a valuable educational resource now seems more like a platform that prioritizes views and affiliate marketing. This shift in perception is not unique to me; there is a growing online sentiment among followers who share this perspective. Why are people starting to think this way? What has led to this shift?
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Graham Stephen has always been kinda sus and untrustworthy to me, dude has like a weird aura to him.
I used to like him more but I’m starting to get that vibe from him too
I disagree I think he's fine. he just has a habit of not doing research on his ad promos
I felt it too, used to watch dividend channels and stumbled across him, didn't stick around.
He seemed fine to me until his Michael Reeves interview. He just couldn't wrap his head around Michael Reeves just doing what he does for fun instead of doing it for money.
That set off alarm bells in my mind.
@@FictionHubZA Yeah that was very weird to me too. Like dude, you own a dozen apartment buildings and have tens of millions of dollars. You should be able to do a silly youtuber boxing fight and raise some money for charity. Why are you so pressed about going from 101 to 102 million dollars?
I thought the whole point of earning loads of money was so that you don't have to worry about earning money anymore and have time to do things for fun.
Graham Stephan lost me when it was revealed how much he underpaid his employees and when pressed on it, he boasted that he could easily find people that would just do the work for him for free. Complete lack of morals and integrity.
Graham Stephan always seems not good but he know how to make sure he took care of his required responsibilities and for sure stuck it to others IMO!!!
I designed the Iced Coffee Hour logo for him.. The deal was that I would get paid 150 bucks and would get to have a chat with him on the podcast.. And even though I got paid (clearly peanuts) his staff went awfully quiet when I reminded them of the chat with Stephan I was promised
Bro has a creepy smile thats when I knew
@@vagaboots gross. that’s such a nice logo too. I’m sorry this happened to you.
Your antisemitism is beyond the pale.
Rule of thumb : If a youtuber is advertising something, don't touch it.
100% this
The fact that this comment, after 4 weeks, has only 188 thumbs up shows how people will gladly buy snake oil.
Get up off my Ridge wallet & Raycons 😂
Jk, 100% agree with you
It makes sense but however how these people have common sense😂
Thats because you don't have any Kamicoco steak knives. Choose life broski.
I used to watch Graham and Andre when they were still new. Mostly to learn about index funds and real estate. Then when 2020 came, everything became doom and gloom. “The great wealth transfer is happening!” “The market is crashing!” “The recession is over!” “The recession is coming!”
uh its happening lol
André is a magician and Graham had poor grades in school, but has rich family who did real estate for rich people. When he talks about being an RE agent, it was helping sell mansions to millionaires so one sale made hundreds of thousands of dollars.
Lol click bait is not scamming.
Doom and gloom is not scamming.
Plain Bagel has been very consistently good.
And to the other guy talking about how hes rich.
No shit hes in finance i expect nepotism lmfao
@@cheery-hex surely after the 1000th video about a looming recession they will be right
I mean they are right, like the economy is doomed and because of the people who control finance. (1929 Stock Market Crash 2.0)
It's remarkable how comparable this is to health influencers. I'm working on a script and there's almost a word for word passage as your point about how there is a finite amount of sensible, useful health advice, so health influencers quickly run out of content and have to pivot to the medical equivalent of get rich quick schemes or wellness-flavoured MLMs, or parasocially buying into the influencers' recommendations - instead of crypto, it's supplements. Finfluencers and medfluencers are all part of the grift machine that youtube and podcasts have turbocharged, slants on the self help trope that is predicated upon exploiting people who are feeling unhappy with their current circumstances
Neat to see a cool yourtuber I thought was dead in another cool youtubers comment section
@@brightsoull you thought Dr Rohin was dead 🥲
This is a great comment Dr Rohin! Really good stuff. Can't wait for your video on healthfluencers
Great to see you here, and great point as well. That’s the problem with all information/knowledge needing to be made into consumable content I think. There will always be a wall where the influencer either needs to get creative to get people to stay or they need to start grifting.
First, love your stuff, second I wholeheartedly agree.
I have pcos and it's so complicated and weird and we don't know much about it. People with pcos are so prone to this almost magical thinking because sometimes our bodies do weird stuff. The number of people who will tell you to use xyz quackery to balance your hormones is sad.
There's a bad study that claimed we have a maximum metabolism of 1200 calories no matter what we do. I have shown people detailed breakdowns that show how my maintenance is almost 3000 calories and I can't get them to believe me that maybe they don't have some magical metabolism. They insist on trying snake oil instead.
RUclips has turned into a place for scammers like a cyberpunk dystopia when an ad at every turn is right in your face. I miss youtube just being a place to just watch and discover
Not just RUclips; all social media platforms.
I think people felt they discovered everything and stopped watching. That's why they resorted to this retarded "community model"
Use revanced. It blocks off 90% of ads.
sponsorships that finfluencers get are literally targeted towards a "get rich quick" audience, putting the influencers' interests at odds with those of their viewers.
This is because anyone who listens to financial advisors will probably put money into 401k's, HSA's and Index Funds. Anyone chasing a high is going to lose, but the people who can afford to lose make it look so good when they win that everyone jumps on.
I know Jake Tran isn’t a financial RUclipsr but he’s a perfect example of this comment
Boosted
@@WealthyPanda I don't agree for one simple reason: I've noticed A HUGE % of "viewers" watching these fininfluencer channels aren't actually people... they're bots. Just take a look at their comment sections - nearly ALL bots, you'll be hard-pressed to find a real comment. And it's like this on basically ALL of these influencer channels. Now, I don't know what % of the views these contribute of course, but I'm willing to bet it's fairly high since bots can review and refresh a million times an hour compared to a person.
It's an audience issue and just comes with the territory: the audience that desires a get-rich-quick scheme is going to blame people for their failures in achieving it. The product being gray is nothing new, and neither is the risk. The same people who complain about them being frauds also form the core consumer base for the next get-rich scheme.
Graham Stephan is an investor in Yotta. He definitely has more responsibility than just being a simple sponsored influencer for the brand.
Yeah he owns part of it as an angel investor and deleted the video he posted years ago about the company
Graham Cracker also shilled FTX crypto exchange that lost $billions.
Yeah this seems like a rather big omittance from this video
@@iamjermcsshe probably just forgot about that
@@culturehub2628 it's in the Coffeezilla video she referenced
Caleb Hammer has entered the "sponsorship" realm. He started with great advice but now it's all about the clickbait titles, how much drama the "screned guests" have and at last count, talked about NINE sponsors, on one video. He's becoming old news and only really gained traction from Graham.
Even with that though, there's still lessons to be learned when watching.
Yup. His material is basically humiliation porn
People will keep watching Caleb for the shaming content because nothing better than Caleb almost blowing a vein yelling at his guests.
@@joshkund there's nothing new to learn there. When he tries to have a teachable moment he still completely fumbles and the guest leaves more confused.
@@gr86er well I view it as personal motivation for myself. As I'm halfway through improving my own finances.
It was the crypto boom that made me realize how many of these guys were shills. They were all asking people to invest in a known risky asset, then came out later to act surprised. Anyone with financial credentials knows not to ask random youtube followers to invest large sums of money in an unregulated asset.
Couldn’t agree more. I’m a huge crypto guy and had found success in last cycle and have been in good position for this cycle. What I despise about these cypto guys are that they flop with trends. When the market is going up, they say TO THE MOON!!! But then once it goes down greatly, they come up with a wild range of excuses. I dislike people acting like they know what they are talking about. It’s dangerous
I was able to get $60 out of the $80 I had in a ship coin on FTX. It took them 4 hours. I got lucky. Also lost matic in celsius. Lost in voyager. So I stopped buying ship coins cause if you do make money you have to sell quickly
Yup, "Castle in the Sky" investing.
Everyone I talk to that goes to the casino always wins. Don’t they? They say they do.
Crypto has always been an investment for low-IQ people.
The only reason it has any backing is because of it's effectiveness as money laundering.. Additionally, now crypto exchanges have a interest in pumping the cost of the coin to encourage more trading so that they extract transaction fees.
Crypto has always been one or two government regulations away from basically destroying the coins.
People think "oh people don't understand it's value" when in reality the technical experts in the field (me) understand it HAS NO real value from an eCommerce perspective. It cannot be used in safe transactions.
Invest judiciously, keep a stop loss figure. Shuffle between debt and equity wherever the ratio goes too off your target. As for the target, I recommend a Ratio like this Debt % should be equal to your age in years. If you are 20, debt is 20%, reset in equity. If the market falls or rises drastically, your debt % will change, which you should rebalance to 20% and bring back equity to 80%. Thus you would have bought low or booked profit depending on if it was a crash or a bull run.
Effective personal finance management is more important than the amount of money saved, regardless of whether income is earned through job or investment. Individuals can seek counsel from a certified financial advisor to optimize financial outcomes, who can provide specialized advice and methods to decrease expenses and maximize income.
I agree, that's the more reason I prefer my day to day investment decisions being guided by an advisor, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using my advisor for over 2years+ and I've netted over 2.8million.
That's fascinating. How can I contact your Asset-coach as my portfolio is dwindling?
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Aileen Gertrude Tippy’’ for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
Thanks a lot for this suggestion. I needed this myself, I looked her up, and I have sent her an email. I hope she gets back to me soon.
How Money Works is one of my favorite channels. The man crushes my spirit on a weekly/ bi-weekly basis
Yeah, you definitely need to balance his videos out with a dose of positivity and a healthy mindset, otherwise they can make you feel like you're in a doom spiral with no hope of getting out sometimes.
@thebraveguy9808 oh good, so it isn't just me 😅
Plain Bagel is a great channel
How Money Works, Patrick Boyle, and Plain Bagel are the few that actually teach anything without preying on their audience.
The Money Guy Show; no sponsors, solid financial advice, no stock picking crap. Good stuff.
Facts. They do it for the right reasons - financial literacy for all.
💯
Ha, I was just going to post something similar.
Those guys are selling you the idea that they would like to be your financial advisor once your situation is complex enough to justify it but they are completely open about it and their free educational content is excellent.
That's because they're from Georgia. We do right here, no matter how hard others try to gentrify our neighborhoods.
@@fabuloushostess6171 They moved to Tennessee...
Blocking Graham Stephen and Andrew Jikh from my RUclips suggestions in 2019 was one of my best financial moves 😂 like you said, learn the basics and do the boring middle and we will be good 👍
Andrei Jikh was a strange journey. I only watched one of his videos every now and then because I wasn't quite fond of his style. When I first watched he was all about dividend investing and as far as I could tell with relatively well done risk management. And then later he goes all in on highly speculative investments, like does he have no principles?
@@tomlxyz He was always in entertainment as far as I know. So he was busy living on far less than he made. And he had the benefits of investing at a time when there were 10 years straight of growth!!! Yeah he is not trying to be honest about how and why things worked because he wants to keep his Patreon members AND his RUclips viewer ship IMO.
That’s where I find myself!
Good thing I stopped following Andre Jikh. I liked the earlier videos but then suddenly it became crypto heavy. Not that I’m against crypto but I feel like he is trying to push it to the viewers to invest into something speculative.
@@pauljamesgestupa7936 Yeah I don't think he knew anything about crypto before RUclips because he has no personal stories AND he did not say much of his money was in crypto when working 10 years to save his first 100K.... WTF he just jumped on it too keep his money flowing in. BUT if he wants the good job he has to get into something.
I remember watching these guys years ago. That was before I got a degree in finance. Being around professors who genuinely knew about finance showed me that these guys were nobodies. At best the youtubers didn't know what they were talking about, and at worst they were purposely deceiving their audiences. Ever since graduating I don't even bother listening to finance youtubers. Their basic advice is fine, but when they start talking about crypto or stocks, I'd recommend anyone to ignore them. I don't care how smart they appear. Always remember the story of Long-Term Capital Management.
One youtuber I do like is Mark Meldrum. Has a PhD in finance, used to be a professor in Canada, and is just a straightforward guy. His weekly market updates are nice to watch. Also trains people for the CFA.
Idk about a lot of these guys but I still watch Jeremy Financal educational channel. You don’t need to buy what he is buying but many times his hypothesis is correct on why a lot of stocks should do well.
Thanks for the tip! I'm going to go check out Mark Meldrum.
exposed them
@@marksolvent3259the problem with him is that when he is wrong, he sweeps it under the rug and tries to never adress it again.
And he is often wrong.
His hit rate isn’t impressive.
Remember NAT? His weed stocks? His plant based food stocks?
All massive investments of his and deeply in the red.
No accountability, only shilling the next best thing.
He‘s not a profitable investor, he makes his money with marketing and sales.
Every once in awhile I throw one on to try to have something to listen to while I do things then I get irritated with how bad they all are. - degree in econ and can pass a lot of series tests without any effort
Graham Stephen literally was promoting FTX. These jerks are literally giving illegal financial advice with no credentials while claiming it isn't. That's not ok
Another thing to notice...most of this scammy ones are american fin-fluencers... proud to say watch Brits instead
Blame the NFL too while you are it…. No one foresees this, they just do a commercial and get paid.
It's an ad, a promotional spot. And it's listed as one. Do we blame cable companies, sports arenas, advertising companies, web hosts, etc. for not doing their due diligence on every business they run ads for?
If the promotion is labeled as an ad and/or disclosure of ownership/stocks is given, then it's on the buyer to beware.
Plus in this day and age, why is anyone not fair forwarding the ads anyway?
It's still up to YOU to do your research. You're the person that can't take personal responsibility for decisions you make. Nobody forces you to watch their vids
And... You listened? ANYONE promising +8% is full of 💩🐂💩
Nothing is truly “for free” it’s either gonna cost you eventually, cost you time or cost you ur data.
Attention is a currency in the current era.
Yes, and we shouldn't let it cost us our brains, either. We should stop watching when they start trying to grift us. Bye, Stephen! Bye, Andrei! Bye, Minority Mindset! which I said to them years ago.
You did such a good job with this video
If it’s free you are the product
"M.E.A.T. = Money, Energy, Attention, Time. You will pay with at least of those four." CGA
I'm an aspiring trader who would rather learn from other traders' experience than investing in the market myself, in anticipation of the next bull run. What are your thoughts on copy trading as well? Do individuals actually earn a living? Just trying to get some reassurance. I want to have a healthy portfolio worth at least $850,000. Reliable inputs please.
The strategies are quite rigorous for the regular. As a matter of fact, they are mostly successfully carried out by pros who have had a great deal of skillset/knowledge to pull such trades off.
I’d suggest you look into passive index fund investing and learn some more. For me, I had my share of ups and downs when I first started looking for a consistent passive income so I hired an expert advisor for aid, and following her advice, I poured $130k in passive diversified safe-haven assets, Up 358k so far and pretty sure I'm ready for whatever comes.
Talking about advisors, do u consider anyone worthy of recommendations? I have about 100k to taste the water now that large cap stocks are at a discount... Thanks.
'Rebecca Nassar Dunne’, a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.
I found her page by searching for her entire name online. After that, I emailed her and we set up a meeting so we could talk; I'm currently waiting on her response.
Considering the shaky economy, I'm keen to know best, how people split their pay, how much of it goes into savings, spendings or investments. I’d be retiring/working much less in 5 years, and sometimes earn up to $160K per year, but nothing to show for it yet.
thats personal, you should connect with an advisor for proper financial/investment planning, never can tell what the future holds
I concur to financial planning. I'm quite lucky exposed to finance at an early age, started job at 19, purchased first home at 28, got laid-off work at 36 just after the rona-outbreak in 2020, going forward, immediately hired an advisor to keep my head above water, and in return, I'm only 25% short of $1m after subsequent investments to date.
bravo! the whole markt has gone berserk now, almost not possible to outperform without expert guidance.. think your adviser would get on the phone with a newcomer? i'm in dire need of proper portfolio allocation ?
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Aileen Gertrude Tippy’’ for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
Thanks a lot for this suggestion. I needed this myself, I looked her up, and I have sent her an email. I hope she gets back to me soon.
I don't understand why they didn't just transition into talking about financial scams, you won't ever find a limit to those unfortunately. I'd watch the hell outta that
Greed. 🤑
people in finance usually aren’t creative. this is why businesses are created by creative mfs then ran by finance mfs
Because a good portion of their audience wants to get rich fast and don't want to hear about all the hurdles
They make more money selling a call to action than alerting scams
That's a great idea
I'm a CPA, too many of these channels are scummy. Most people could benefit from the absolute basics like paying off debt (snowball vs avalanche), basic investing like opening an IRA account, basic budgeting (I use a very simple software that uses the envelope method) and NO credit cards.
we live in a scam world due to social media
What software do you use for the envelope method
@@hmmm2564 I use YNAB (You need a budget) they switched to online and an app but I use the old desktop software that I got years ago in college. I am not a paid sponsor, I've been a user for almost a decade now.
I had a friend ask me for advice on stock picking because he was led to believe everyone should buy stock. This isn't true.
I showed him the math of much interest on all his debt compared to the interest earned on average on the stock market. It made more sense to pay off his credit card debt with any disposable income.
I also explained the importance of saving first because you don't want to sell your stock during a recession to fund your unemployment. That is how people lose all their market gains.
However, 401k match is just free money.
Yep so Dave Ramsey
Regarding Graham Stephan.
My problem with him (same for other finance guru's) is that they lack basic economic fundamental knowledge.
Yes, they can give decent personal spending advice.
However, their knowledge about "the economy" is usually citing a headline from some news article.
I have never seen any of them show any economic understanding on macro- and micro level.
In terms of investing in stocks and bonds, they lack an understanding of basic formulas and concepts.
(Net present value, Yield to maturity, Discount rate, internal rate of return, Present- and Future Value,
I can go on but you get the point).
I suppose they have (or had) a level of credibility due to personal wealth.
But, there is no one solution so suddenly become rich, and a lot of it comes down to luck.
They prove that you can certainly be rich, without understanding economics.
Graham Stephan basically got rich by luck. He was a realtor and got into owning real estate at a point where he could buy cheap real estate after the 2008 housing crash.
Meanwhile he's one of those financial guys who tells you to buy the cheapest coffee in order to help get rich faster as if a few bucks would make a difference (or rather not buy coffee at all to save even more money)
@@tomlxyzit's not really about buying cheaper coffee but more about how the coffee represents unnecessary spending. That does make a difference if you cut out the bs Starbucks every morning and all other crap like that.
Yea, I watched him briefly until I heard him talking about his real estate "strategy" of basically leveraging himself to the max and double-yoloing the housing market with absolutely zero self awareness that he basically just bought a scratchoff ticket and won. Like good for him but that's horrible advice to try and follow, and I feel for anyone who tried it considering the video was in mid 2021.
I don't like that he never points out that when he got rich, there was a lot of luck involved. Many other RUclipsrs will say that it takes not only effort, ambition, work, but also luck to get rich quick. He really pushes to the young audience that you don't need to go to college to be rich which to some extent is true, but he fails to mention the extra stuff that comes with not going to college like the extra effort...
@@electrified0 When Graham debated Destiny on if college was worth it, Graham's advice was to skip college and just "become someone's assistant," somehow get an internship as a recent HS grad with no experience, or just get a real estate license. Obviously, some people become successful without a degree, but for most people, it's better to go to college while taking advantage of all the resources offered (campus jobs, internships, student organizations, etc) than it is to not go and be directionless
When someone says they are not financial advisors, believe them and don’t just do what they suggest. Be an adult and make your own decisions
What's also crazy is a lot of them. Made more money from youtube than from what originally got them popular as finfluencers. So it seems kind of weird to take graham stephen's real estate investment strategy advice when he made most of that money from youtube, not from real estate.
He got into real estate by buying up property after the 2008 housing crash. Not really an universal investment strategy
@tomlxyz he literally was a real estate agent for about a decade before youtube, he is an expert in real estate, everything else he is not, recomend researching folks to know what they do and don't do behind the scenes
lets no discredit the guy, he has major experience in realestate.
Exactly, and he never talks about that.
Because as we say in latin America, "nobody will give you the chicken than gives them golden eggs" 😂 @@fuzzypanda1684
That's why I stick to rap influencers who review rap albums such as Patrick Boyle
I second, third...hundredth that ☝🏼
Patty B dwarfs Charlemagne
Nobody goes harder then Patrick. His disses on Elon are the toppest of tiers
Man Patrick Boyle always brings the 🔥 when reviewing the latest albums
i second that 😔🙏🏾
I don’t think I’d lump Jaspreet Singh (Minority Mindset) as a scammer. He never endorses any particular investment. He focuses on educating people on budgeting, how to analyze the financials of a company, and how to live within your means.
Agree
I got into investing mainly because of him. He definitely doesn't give off that "scammer" vibe.
I used to watch Graham Stephan until the ftx scandal. What raised my red flags was the Ice coffee hour podcast with Sam bankman fried called the humblest or the nicest billionaire and that gave me massive red flags and sure enough SBF is one of the biggest crypto scammer. Them being willing to get sponsored by anyone without any due dilligence is why their audience no longers trust thems.
Tom Brady and MLB did too
@@jsongraham Tom Brady and MLB are not making a living through finance videos.
@@jeanpaulgrech6540 no but they are living through endorsements. And have a multi millions of dollars and unlimited resources to do their due diligence, yet they were fooled as well. The exact same thing would have happened to anyone. Also, I've never seen ONE video were he said to buy a specific crypto or stock. I'll wait for you to provide me one.
@@jsongraham tom brady and the mlb arent people who say they're financial gurus
@@theoutsiderjess1869 wait. So you are saying that Graham told you to buy crypto? Nope. He never did that. He always gave both sides of an opinion. All he ever did with ftx is use their platform. JUST like MLB. And he never claimed to be a financial guru. People gave that monicker. AND at the end of every episode he'd say do your own research and that he isn't a licensed advisor. So DO YOUR OWN RESEARCH!! You don't have to listen to any of these people
The biggest red flag that I noticed over the years was it none of the top financial influencers ever wanted to condemn the Tai López’s of the Internet they always wanted to keep that bridge intac. That always said a lot for me.
Here in the garage with my car.
That was mostly because they feared a defamation lawsuit. They are 100% accountable for all their othwr stuff, but its very often for public figures across all industries to avoid talking about bad actors in their industry for these reasons.
@@reddrift3022 nah u right but they also went ahead and colab with a lot of the guys after they had been exposed for scamming and shady business
Good observation 👍
So well put! I've had this exact feeling and experience for a while now (as I'm sure lots of us have). I can't believe this is the first video I've seen addressing this situation.
I stopped watching financial youtubers maybe 2-3 years ago .. their main source of wealth is YT. They talk about money on YT but if they didn’t talk about money on YT they wouldn’t have any or at least not as much.
Main source of money is Ad Revenue from RUclips. To put them out of business you simply have to stop watching them
They all talk about side hustles not not one of them talks about how they make money off their channel. Lmao
Thank you!!!!
@@vincentbryan1962 Well no Andrei even said once "make money off RUclips" and he responded to the statement with "your absolutely right". But he did not say much about his Patreon in the very early videos!!! And he never showed the average of his excess money per year averaged out in any of the early videos (he said he did but his first few he almost certainly did not because I was confused how he went from 100K to 300K in like 5 years!!!)
True, why would I buy their RUclips courses when I have books , studied accounting and finance. lol
I trust the financial diet, as much as you trust a RUclips channel (not a whole lot, but a respectable amount)
She does seem to have more integrity than these guys and I hope this makes her double down on integrity. That is what we want and need! End the corruption!
Her sentences are too long and convoluted and she's pretentious. Deffo inhaling her own farts
Yes! Financial diet and the ranting of Caleb Hammer to remind myself to NOT SPEND on things I don't care about. Everything still has to go through a mental "reasonability filter" though.
Chelsea and Caleb are wonderful, the only shows I watch
@@Eldaino999I like both of these shows but they also have their flaws. For example, Caleb isn’t the best when it comes to sponsorships.
Took 18 minutes to get there, but you said it: sponsorships are a conflict of interest. I watched Andrei Jikh for a while because, despite the gimmicks, he gave well-reasoned, quality advice. Simple and educational.
That said, the red flag for me was the conflict between his brand (a Finance Educator) and advertising new & volatile markets, often with little or no regulation or oversight. I think he did a decent job of saying "this isn't for everyone - I'm only doing this because I can/am being paid to do so (IE he wasn't really losing money even if the investment itself did poorly)."
Often, I see the red flags not in what they *are* showing me, but what they're *not* showing me. If you're showing off an exotic car you bought - which is a horrible investment in most cases - clearly *you* don't know how to invest responsibly. Why would I trust you?
Nate O'brien's revelation highlights something important that the world seems to forget: Just go to business school. Learn the same information, from regulated folks, and get the same knowledge + potential jobs + social benefits & network from the school + tax discounts, and don't overstay your welcome.
It seems people don't want to read anymore
Many years ago, I swore I saw a video from Graham Stephan about being a landlord, and I've never been able to find it since so I can't remember if it was really him or a similar-looking landlord influencer, but the video was him going around a home depot, buying the cheapest shit imaginable while admitting that he buys easily breakable things specifically so he can charge the tenant for the replacement when they break and buy nicer stuff later. Literally engineering theft from the poor to fund his house flipping and being proud of it. Now again, I can't remember if it was him specifically or someone else, but I just cannot watch any landlord youtubers without that video in my head. The whole lot of them can go right in the bin.
Well that explains a lot of the crap in my newly rented apartment. It's actually quite a nice apartment in a nice area, and then they've filled it with Panaphonics, Sorny and Samsing.
Meanwhile tenants who obliterate the fuck out of a landlord's property and get to live upwards to 6-9 months for free due to tenant-favoritism laws:
Where I live apartments are empty when you move in and I can't imagine to just use what some stranger used before
@@tomlxyz You must have a hard time in restaurants.
@@joepieklRight! I have an expensive aoartment in Greenville, SC and JUST discovtd that my CABINETS are made of some stick-on shit over plywood. If the place wasn't literally 3 minutes walking to my job, i would have already moved but this is the straw that broke the camels back. For $2,400 a month, this place is awful and i am sure big-"money" lazy investors or venture capital folks hae their greedy claws into this complex. I will be moving the minute this lease ends.
I Hit 50k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started last month 2024. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject. thanks to Ann Elizabeth Messer for helping me achieve this .
She is my family's personal Broker and also a personal Broker to many families in the United states, she is a licensed broker and a FINRA AGENT in the United States.
You trade with Ann Elizabeth too? Wow that woman has been a blessing to me and my family.
I'm new at this, please how can I reach her?
I was skeptical at first until I decided to try. It’s huge returns is awesome! I can’t say much.
She spends most of her time on telegrans, with the user name
The Money Guy Show is the BEST. No one else needed.
Yes
Earn your Leisure is another good financial podcast
@@dlfleming80 Nah they sometimes promote scammers.
I also like The Financial Diet :)
Clear Value Tax is the best and real
The Money Guy show is all you need for YT Financial education
The plain bagel as well
And Caleb Hammer!
He got me to quit smoking. Just hit 1 year
@@Scrounge4He’s good for some, but certainly not for most. There’s a huge body of research in recent years that shows clearly that most people don’t react productively to being scolded and shamed. Some do and I’m glad for those who have. But Caleb is entertainment, not science.
@@SlowMoebius the plain bagel is great!
If we're adding more to this, shout out to Joseph Carlson.
So happy that people are waking up to this. During lockdown I began learning about finance from these guys and it sure got me into personal finance. The issue became that the ‘investments’ that they promote are so terrible that I personally have lost more money than if I had just never got into personal finance to begin with. Looking back at these guys, it’s clear they really have no idea what they’re talking about and only have their pocket books in mind.
Just keep up with your money education and tell yourself it's school money. We are 50 have our own Business a journey we would not have started if we didn't begin here. You don't know what you don't know. People like Warren Buffet is better people to listen to.
You are spot on! At first I liked Graham and Jikh because they focused on index funds, but, like you said, then Jikh started hawking reckless, irresponsible advice and Graham started sponsoring ill-advised products. Minority Mindset went full-on grifter. I was glad you showed The Plain Bagel and Ben Felix, because they are two exceptions and have maintained their integrity. I think Erin Talks Money has stayed pretty true to educational, grift-free information, too.
Rule of Acquisition #59 - Free advice is seldom cheap.
Free advice is actually plenty in finance. Only "problem" is that most of it is too boring for most people and making content about it won't create many clicks
@@tomlxyz heh there's the basics sure. But the advanced stuff? You're not getting that for free.
Upvoted for ferengi reference 😂
I’m warning you, Quark. No more shilling your gold pressed latinum schemes around here
those robert green books are great for historical narratives & quotations, but much of the advice is not very useful in a practical sense, in terms of how to apply it. he’s a phenomenally engaging writer however. thank you for your comment, have a good day!
Wow, this video was done so well…. 10 years ago, I started to do financial /ebay videos on RUclips. Then my channel slowly morphed into an automotive racing channel. Never in a million years did I think that section of RUclips would turn out like this.
Thank you for sharing the complexity behind this. Growing up a poor nerd, I gravitated towards fin-influencers to learn the basics (like you pointed out) but quickly left when the antics turned to “Which stock is going to the moon?”.
Thank you for capturing this aspect so this complex story can be help others who still might be listening to people who give financial advice when you buy but then say “not financial advice” when you lose that money.
meet kevin was actually educational but the end for me was when he ran for governor of cali and bought a private jet. he made over 30 million over the first year of covid and that changed him dramatically.
He did a bunch of shady stuff with his stock moves too without telling his followers. ANd pumped crap spacs and small caps. He's awful
I totally agree. I respect everyone's opinion, but why does he try to pretend not to be a Republican. Stand behind your beliefs.
i only ever knew him since after 2020. and i never understood how anyone liked his channel. his thumbnails alone scream, "i am extremely arrogant and egotistical." anyone that makes every thumbnail have a picture of themselves, and it takes up more than 60% of the total picture, it just scream narcissism
He was a genius with the stock market only went up 😂😂😂😂😂
@@Ascendsean35 and you dummies fell for it lol
Not to mention at least Kevin and Graham were both real estate agents and made their money in real estate when they got in near the bottom in 2008 and rode the longest bull market in history to make millions. Hard to sell your success to others when the only way to replicate it is with a Time Machine.
They deserve the criticism for perpetuating bogus financial self-help myths based on survivorship bias.
That ending comment hits too hard. You can really feel the enshallowing of content on YT
We're in the enshitification now. - Dr. Strange, probably 😢
Loved this video! Very well produced. The key you mentioned is truly that index funds outperform individual investors consistently but it’s not “sexy” to make content on that. Almost all of them blew up while the market was skyrocketing mid/post covid. When the market it isn’t as perfect as then, they fall flat on their faces.
The Money Guy show is the best and you can tell they are great people. They also promote a way of life (family, recognizing that we want attention but control trying to impress others, etc.) that from research leads individuals to wealth
They don’t make the bulk of their money from RUclips either
Plain Bagel is my Goat 🫡
truly the most unproblematic finance youtuber, love that boring guy
I like bagels 🥯 but prefer one with bacon and egg, not just a plain one. Gotta be toasted too 🙃🤫
Yea he's done a good job being a finance RUclipsr and staying clear of being a "personal finance" RUclipsr
@@Superbl0bbyPatrick Boyle is also another one who teaches finance and economics and helped me understand more.
He has an actual job. That probably helps.
The only finance influencers I trust are The Financial Diet. Trust your gut, people, these guys seem smarmy because they are.
So true. I like The Financial Diet as well, she gives pretty good practical advice for saving money and reducing spending.
@@biteofdog Chelsea is the Scotty Kilmer of finance RUclips, but without the rampant misinformation and false equivalences.
And the plain bagel the Canadian version
Idk if Coffezilla counts, but he's good too.
The money guy show.
What you said about running out of finance content is so true. I remember getting REALLY into PF as an adult in my 20s because my parents didn’t teach me much and I wanted to ensure I was doing everything I could for me and my family. I was active on the PF subreddit and consumed PF content almost daily. Fast forward a few years and all that stopped. I learned what I needed to learn and largely stopped consuming the content as a result
As a youtuber in the finance niche, I agree with this video. NEVER follow investing advice on this space. These gurus know the the psychological trigger to know what you want vs what you need, they will always pick the "wants" at the cost of your views and investments dropping in value. Always do your due diligence!
I was just talking about this very issue this morning. I personally feel it's all a massive grift. You have multimillionaires and wealthy folk running around purposefully, ignoring a multitude of factors to essentially say budget better and sacrifice. But still, that economic gap grows, and even traditionally, successful people are starting to grow concerned about their futures.
It feels like a very intentional plan to keep the poors poor, widen that gap as much as possible, gaslight them into believing they're the issue, so they buy your information and products to hopefully remedy the situation. But as we all know, that's just a waste of time and money for most people despite how committed they may be. It's all very calculated, and I think more people are seeing that now.
That's neoliberalism. Tell everyone they can get rich too so they don't try to improve the rights of their own class
+
I agree with your assessment of what’s going on but I want to push back on the idea that’s it’s intentionally calculated to be this way, sort of. I don’t think it’s an oligarchical situations where a few people are making these calculated decisions. Instead, I think a simple and rather metaphorical way of saying what is doing the intentional calculating is more akin to the “capitalist geist.” It’s like an organizing singularity that creates patterns in behaviors and becomes the mechanisms of capturing our desires. The RUclips algorithm can be thought of as one of these singularities where it and its users organize each other simultaneously, constantly influencing each other, but always for the purpose of capital profit. My question is, was the algorithm invented specially for the purpose of capital interest or is it also another part of a larger function that organized it into the capitalist system of profit? We invent all these interesting technologies but they always seem to get pulled into a system of profit or stop being produced or go bankrupt (like instapot - their product was too good for a production economy).
So to round out idea, it’s that there is an intention to much of this, but I don’t think it’s an individual’s intention, nor a group or people’s intention, but rather so many people’s, businesses’ and organization’s intentions have been organized by capital interest. We can say, poetically, that many people are possessed by this “geist” which shapes their intention. If you follow me this far then the next question to ask is if we, ourselves, are possessed by this to some degree. And this makes us question our values: why do I want to make lots of money? Why do I want to buy these things? Why do I want to go on these trips? Etc etc. Asking these questions can make a lot of people uncomfortable. It’s difficult to get to the bottom of these questions, if there is a discoverable bottom in the first place (personally, I don’t think there is). So people just slide into the dominant values of society which are largely shaped by capital interest and religious belief (which is sort of ironic and surprising but it works). Anyways, this was a very long response. I hope it was at least interesting.
@@kylerodd2342 I completely agree, that was just a lack of elaboration on my part. I definitely think it's less a shadow situation and more a very overt byproduct to these variable factors. You nailed it.
Great video! Part of it is no one wants to get rich putting away 100 a pay period into a 401k
Great video. I've been a hater of every finance RUclipsr over the past 12 years and have blocked every one that popped un my recommended during that time. This deep dive was extremely informative and well written. I'm glad my instincts didn't fail me when blocking these kinds of channels.
Gotta shout out that they did teach me a ton at first but thank gd I realized when they went over to the “other side” and stopped and saved my self from financial ruin.
This was a very well-made video! Thanks for taking the time to put this together. Keep going!
I'm embarrassed to admit that I consumed their content for several hours per day instead of putting all that energy into my career which would actually have made me more money. My current picks are The plain bagel, Finazfluss (German) and one or two more.
Clear Value Tax is the best finance channel. Straight to the point and he’s not trying to sell you anything.
Facts
Add to that the money guy show.
Also Ramsey highlights for entertainment lol
That dude has been grifting crypto since 2021
@@baxoutthebox5682 You must have the wrong channel. I watch every single video he makes and he hasn’t mentioned crypto in almost a year. And when he did, he’d make 1-2 crypto videos per year, nothing wrong with that. He never shilled any coin either.
he puts out a lot of doom & gloom clickbait titles about recession, china, and the sky is falling type crap. he also says stuff but doesn't explain why to you, so in a way that's scummy too but shame on people for not asking "why" and just believing whatever anyone says.
I believe platforms like RUclips should've never actually become a full time thing. I mean it's possible if you are a journalist, or a reviewer but beyond those it is impossible to keep your integrity if you go "full-time". I watched several of my favourite creators who were just musicians/engineers/travelers sharing their professional life and ideas go full-time to "get big" and just lose everything that made them fun and interesting to watch. It's literally like bands who at some point start writing songs about touring and writing songs.
FInfluencers are the equivalent of a Lobbyist in Politics.
Ok Donna! First time viewer. This was very well written. You earned my subscription. I’m excited to see more!
This reminds me of a quote. I can't remember exactly where it came from, but I find it's a great way to go through life. "A master is someone who knows the basics better than anyone else."
Stay away from the frills.
The only RUclips financial influencer I trust is Plain Bagel. His investment advice is always spot-on, and he never accepts shady sponsorships.
I've never seen a thing of him telling his audience his portfolio or suggestions for what to buy/sell. Or at least I haven't got the vibe from him.
Some of his advice isn't great.
@@butwhytharum That is exactly what he meant. No advice is good advice from Finfluencer.
Do not get ANY investing advice from RUclipsrs!!!
I'm glad that my dad set me up with long term stocks (non risky stocks) for the last 40 years, if I didn't have those it wouldn't have been possible for me to buy a condo. The first stock I got was Disney all those years ago, and then Pepsi, Coca Cola, Johnson & Johnson, among others. I'm not the type that is risky with investments. Bonds are also another good way for a long term investment, they're a great gift to give to your kids so that they can cash them out when they are an adult.
Never heard of index funds and ETFs huh?
Everyone should see this video. Thank you for making it.
*Well, it goes to show that you should always get a second opinion when it comes to financial management and planning. Just in case.*
Brian at Clearvalue Tax is the only finance channel worth watching, and the guy is honestly .. great. He tells it how it is and doesn't sugarcoat it or fancy it up for clickbait views. His content is spot on and I've yet to see a single clickbait from him.
I agree with you, I am also Brian’s follower.
Agreed and while Brian has a paid course, he barely promotes it. And he's a pretty straight shooter when it comes to politics/politicians. His video format (all those blank pages he's turning during his videos) is pretty funny.
He’s no better… a while back he tried to promote his own crypto. It failed. He is now just another doomer that reads the news like Steven Van Metre but with more assertiveness due to his CPA background. Another king of bad news scammers is Johnny bravo
Agreed
I don't always agree with Brian's assessments, but he does put out solid content.
Hey, these actually worked really well for me. I was told to connect with people better than me and so I snuck into one of P Diddy's parties and connected with some of the most wealthy and powerful people in ways I never even imagined. Once they trust you at his parties they know they can trust you with their business.
Theres a saying.
"Chase money and you'll never have enough, chase success and you'll find more than you can imagine".
Goes right along with the saying "do what you love and you wont work a day in your life"
so, you’re indicating that it is impractical but nice-sounding fluff?
Ya that's been proven to be a lie
With many many caveats.
Work is still work regardless of how you say it
@@jollama so why not find something that people will pay a lot for that you don't dread doing... It's a novel concept. Key word is getting other people to part with their money.
I think Caleb hammer found a solution to the “sensible advice” lack of repeatable views by interviewing new people weekly and giving the same safe advice
Yea I like him besides the fact he was creeping on some young guy who turned 18 and tried to get him to make an onlyfans 😅😅 Caleb… don’t think with your dick bro
Love Caleb
@@mrdavman13same
Even that has traction beacuse its new . There is only so many times you can hear about some guy spending way too much and learning nothing . there are some exception some people that just dont know how to budget or how credit cards work or was just plainly unlucky or just clumsy and just need some discipline and properly set up budget,but thats a minority.
Also i feel like caleb hammer is too extreme which in theory works great but in practice i feel like pepole will not listen if they are told they should reduce every fun spending.
Honestly i think he should give most of his guests a small 'fun' budget for their cofee or whatewer shopping addiction/hobby they have .
The people he interviews are clowns. He doesn't interview normal people
This is why I like the Plain Bagel and Patrick Boyle just information and news, no scammy stock picks and actually spend time calling out the scammers just like what Coffee does
This is the challenge with content creation and creators. It’s a similar issue with long form “intellectual” content creators. They may have extensive knowledge in one area, but they run out of things to talk about. So they start weighing in on topics they have zero knowledge or expertise in. But because they’ve built a massive audience, they become the new experts and authorities on those topics (based on content that’s just chasing views), while the actual experts on those topics are either ignored or vilified.
no kidding. A person who really has some talent or skill often has 10K followers/subs and a person who does really nothing except either look cool or talks about nothing 1 million.
Patrick Boyl is really good at providing financial news, I really love the way he spills the tea on the latest scams and financial hype bubbles.
Love him
Me to. I'm also a ex-software tester that's doing arbitrage in crypto. No advice or price prediction needed.
Him and Plain Bagel are my favourites
Been watching Patrick since he had subscribers in the double digits.
Love Boyle and he is NOT a fin-fluencer.
I miss 2017 RUclips. In fact it feels like a year and a half ago at most. Feels like someone accelerated time into 2024.
It was the good old days ! 😕I miss a lot the period before 2020!
I miss early 2000s RUclips. That was GOLD
I remember when Graham Stephen promoted a crypto currency and after many of his viewers lost money I commented multiple times for him to talk about how he loat his viewers' money. Got ignored by graham and his viewers. So glad coffeezilla called him out on it
Finance guys in general regardless of whether they make content are weird.
One thing to realize about financial RUclipsrs is that their money comes from you. Despite what they tell you about where there money has come from most of it has usually came from content creation. Like graham stephan has sold like 2 houses and worked as a real estate agent for like a couple years and thats his "authority" on financial matters. Hes someone who has been a RUclipsr longer than he was ever a real estate agent
One thing to realize about anyone who makes a living from social media is that their money comes from you.* Always vet their interests and integrity.
“The Jikh was up” So good
I think you got it right with the whole thing thats its kinda hard to keep credibility and still have money flowing in which this style of content. I think thats why the only the finance channel right now I trust and I don't see affected by this lack of trust is Two Cents. Alongside a Patreon they get funding, support, and extra credibility from PBS. Their stuff is just overviews of a topic with a simple but smart advice about financial topics and hot-button issues in the space. They don't do sporships or more lifestyle-based financial content sticking purely to education.
Finance influencers i recomend are The Financial Diet and Ramit Sethi
👏🏽 wholly agree - the only ones worth listening too. Ramit is the only one I've ever heard say they got rich because they had a lot of luck.
Thumbs up for Ramit Sethi
This part of the social media world is just with Instagram. Whenever accounts asked me to promote their product, I almost always said no as it didn't align with my values. I can only imagine how much bigger accounts are offered, and if it's your only form of money, I get it. It's just a reminder to always seek education from as many sources as possible. humans are complex and people are always gonna people.
Honestly I learned everything about personal finance from women and 10 years later still solid advice: The financial diet, her first 100k, Erin Lowry, Aja Dang, Money with Katie
That's what I was thinking hehe who are all these dudes
@@cur821 seriously that is why I love Chelsea Fagan because she was talking about those scams 5 years ago. She talked about the danger of crypto ages ago,mlm, influencer finances a while back.
What about trans financiers? Very discriminatory.
@@liquid_metal I don't know what you are talking about.
@@EliseAnnaveline You could expand your personal finance learning and diversity by seeking out trans educators.
Jeremy making his viewers go -50% is a compliment. Many of his picks went -90% or more
You are spot on, Donna. They are experts when recommending stocks and an average person when those stock picks crash.
Our economy is afflicted by uncertainty, housing troubles, foreclosures, global shifts, and the aftermath of the epidemic, all of which contribute to instability. To restore stability and drive growth, all sectors must urgently address rising inflation, slowing GDP, and trade disruptions.
The US dollar is losing value due to inflation, while other currencies are gaining strength, creating uncertainty. Nonetheless, many people remain confident in the Dollar's perceived safety. I'm concerned that my 420K retirement funds may lose value, therefore I'm looking for other financial stability.
With my stressful career, I don't have time for investment analysis. For seven years, a fiduciary has managed my portfolio, responding to market situations, ensuring for effective navigation and informed decisions. Consider taking a similar plan of action.
Do you mind if I ask you to recommend the coach you employed? It seems you've figured it all out.
My CFA, 'Leah Foster Alderman', is a well known figure in her field. I recommend looking into her qualifications further. She has extensive knowledge and is a treasure trove for anyone seeking to manage the financial markets.
Regards. her handler was simple to locate and appears to be extremely capable and adaptable. We scheduled a phone conversation.
Great video. I took a break from RUclips and just getting back into it. It's so helpful to see the experience of others with finfluencers as a clear model of what NOT to do. thank you!!
Hi Jeff,
I really enjoy watching your videos and I am glad that my future self is happy with the decision to invest early. When I was in my early 20s, my family didn't talk about finance enough. We didn't have the resources that others have. I wanted to mention this because in Mexican culture, we are taught to work hard regardless of the situation. Due to this, investing wasn't on our minds; we only knew about saving.
Your videos changed my mindset, and I started investing. Because of your videos, I've been able to help my family with investing, and they look to me as if I am their financial advisor, even though I am not. This is due to gaining awareness of investing and being smart about it.
You are the OG of finance, and never forget that you helped change my views on investing. I'm sure many people will thank you because of your videos.
-Rudy
Oh well. Live and learn. Note to self: don't listen to young strangers on a screen who tell me if I do what they say they'll give me a doggie treat. Got it! Good to you, Donna, knowing to leave once you get the info for which you're there. Smart.
The Money Guy show is definitely one of the best finfluencers RUclips channels out there!
Caleb Hammer (who I don’t love) had both Money Guy and Graham Stephen audit his finances, and it was so clear that Money Guy is WAY more educated and qualified than Graham…. plus they actually hold certifications….
Love the educational channels that actually teach interesting things like Felix, plain Bagel, patrick boyle, etc.
People want to get rich quick. There’s a market to sell that dream. Until that ends the grift will continue.
This is the first video I've ever seen from you, and I just want to say that you are AMAZING! I am subscribing!
Been watching you from the start Donna and it is so satisfying to see your hard work off and created this massive following.
Great video. I learned a ton from financial RUclipsrs from 2018-2019 and a bit beyond. But here in 2024 I don’t watch them at all anymore. It’s a wild because they were a big part of my RUclips viewership then but today I don’t feel bad about it.
Today it seems kind of hollow when the average person is just trying to get by. The normal person might have been laid off or behind on their bills. They're not trying to get rich quick or be millionaires, most people today just want to pay their bills and have a successful retirement. The "hatred," is largely because of how out of touch these people largely are.
It's also because they tell stories about how they came from nothing and got rich doing (insert whatever here), and you can too! If you buy their overpriced course that is.
I swear Graham and all those guys have been known scammers for years now
I get sketchy little brother vibes from that dude LOL
What do you mean by known scammer? Everybody and their mother fell for FTX and thought it was legit.
You should give him credit where it is due. He's been giving some of the most responsible financial takes of anyone (including legacy media). But he is being a coward (and potentially worse) by not addressing the Yotta bank situation.
@genericdeveloper3966 if Graham wasn't good looking then would you be listening to him?
Good looking??? @@KrisBryant99
@@genericdeveloper3966 Graham...is that you???
I stopped watching these fake inventors and actually began recovering my loses.
Thank you for talking about this !
I still like Graham bc every once in the while we get a good video, but I sure miss his og videos especially for real-estate bc I used that info to have my now portfolio
Me too Graham geniunely gives decent financial and share his short comings and sucess stories with his audience. However since he limit himself to financial advice videos there is only so many videos you can make on that subject.
All of these “influencers” are shameless. They get a little taste of fame and turn into sellouts. Its human nature. Waiting for coffeezilla to meet the same fate
I am a finance RUclipsr. The main challenge is that long term investing is actually really straightforward and simple: just buy and hold SPY. However, that is boring. And more importantly, not repeatable content. There's only so many ways to say "Buy and hold SPY".
I had to find content that I can repeatedly make videos about consistently. And also appeal to an audience even after they've already learned the basics. Currently, I create videos showing every specific stock and option I invest in and how they perform over time. This type of content is repeatable and can be interesting to investors at any level. The feedback I get from my audience is that they appreciate how transparent I am with my portfolio. Many finance RUclipsrs give stock recommendations or analysis, but don't actually put their money where their mouth is. But I do.
Looking at your video thumbnails and titles they kinda all look the same, I wouldn't know on which one you click first
@tomlxyz Yep. Like I said, it's repeatable content since I just provide an update for what my portfolio is like at that time. I believe if you go to my "Videos" section, it shows all my videos in chronological order, from newest to oldest.
There are multiple ways to invest.
Things like sp
Your skills via books, communities, courses, coaching, working at a place doing a job to learn a skill, community colleges
Building scalable business that don't require j curve investment
People think of investing way too shallowly.
There's tons of things past the simple instruments.
@@ConceptHut What you're saying is objectively true. However, it's generally not a great approach in running a RUclips channel. Most RUclipsrs recommend focusing on a niche. Sure, you could make videos about learning new manufacturing skills through hands-on job training while also making videos about investing in your health with a specific diet and exercise plan. But most people watch a channel for a specific niche.
@STEPXMoney Yes channels should focus on a niche. What did I say that indicated to not do that?