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Hi friends, and welcome back to the blog! I spend the majority of my day on Youtube, usually using it as background noise for whatever activity I’m doing. But there are five Youtubers who I’ll devote my full attention to when watching their videos. Although most of them are not personal finance Youtubers, all five of them have shaped my view of personal finance in some way, so I wanted to share them with you today in the hopes they will inspire you too.
759k subscribers, 349 videos
Graham is the only Youtuber on this list who I would classify as an actual personal finance Youtuber. This is actually Graham’s second Youtube channel. His main one is just called Graham Stephan, where he’ll post dissections of actual financial topics, which is useful but sometimes too serious for my brain to handle. I much prefer the content on his second channel, where he posts a lot of “Millionaire Reacts” videos, because he’s a self-made millionaire, from a combination of real estate, Youtube, and being extremely frugal. I love watching how Graham analyzes the saving and spending habits of people of different incomes, because as someone who’s “made it”, I feel like he has a lot of advice on what makes a difference and what doesn’t.
3.22M subscribers, 355 videos
Matt’s channel is all about minimalism, which is another topic I’m a big fan of. While he doesn’t talk about finances too much (he does have a video out on minimalist finances), his general approach to life reminds me to cut out unecessary financial practices. For example, although I practice credit card churning, I limit myself to three credit cards at a time because although there’s technically no harm in getting more, I find the incremental benefit to manage all the cards isn’t worth the mental capacity and anxiety they take up in my head. I also set all my cards to be auto-paid so it’s my choice to check up on them rather than my responsibility to initiate a bill payment every month. I ultimately feel like Matt’s minimalist approach to life has helped me clean up the mental clutter I get from dealing with finances. He’s also an incredible filmmaker (he’s the director of two documentaries on Netflix), which makes watching his videos a treat for the eyes and ears.
961k subscribers, 155 videos
Anna Bey is quite a controversial figure on Youtube, but I love her videos on self-improvement. She’s a big advocate on investing in yourself, which is refreshing to hear after the endless mantra of saving as much money as you can. After all, investments aren’t the only thing that will help you generate income – a leveled-up version of yourself is a big factor in generating more business or performing better in the workplace.
186k subscribers, 128 videos
Caitlyn has been MIA on Youtube for the last few months after having her first child, but I still love re-watching her old videos. As a stay-at-home wife and now mom, her family’s income is limited but that doesn’t stop her from figuring out how to keep herself up while staying on a budget. She’s inspired me to learn to hem my own clothes rather than going to the tailor’s, and bake my own bread and desserts rather than buying snacks at the store. Mrs. Midwest and School of Affluence have definitely helped me find ways to invest in myself without breaking the bank.
271k subscribers, 426 videos
I started watching Lilia’s videos when she was a law student in the Netherlands. Since then, her life has changed dramatically but it hasn’t interfered with my fascination with her. We’re similar in age, I’m a huge fan of her aesthetic, her independence, and although we’re doing vastly different things with our lives (she’s an online influencer while I’m entrenched in the corporate world), I still feel very connected to her.
Lilia doesn’t talk about her personal finances, but through her vlogs I get a glimpse into how she chooses financially smart but aesthetic purchases. For example, when she lived in Washington DC she opted not to get a bed frame but still managed to make her bed aesthetic with fairy lights and cozy covers. Now that she’s in Los Angeles, she’s made enough money to upgrade from a studio apartment to a 1-bedroom. Lilia has been an inspiration to me on her journey and as I age and become more financially independent, I truly feel as if she’s the older sister I never had.
Those are all the Youtubers I wanted to share for now, but my list of favourites is constantly evolving. I hope this list makes you think about what particular aspects you look for in creating a personal finance mindset!
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