Millions of Millennials are struggling with a financial triple whammy – subpar income, high debt levels, and low- to nonexistent-savings. If this describes you, you don’t need to be wracking your brain trying to come up with your own money solutions.
If you have any financial situation whatsoever, whether it has to do with budgeting, getting out of debt, making more money, or investing, there are plenty of people who have come before you.
And you’re in luck, because you can find them all hanging out on YouTube, sharing their stories and strategies.
Here are nine top millennial YouTube channels where you’re very likely to find an answer to your financial problem from someone who’s already been there.
1. WhiteBoard Finance
Created and hosted by Marko Zlatic, WhiteBoard Finance was launched in October 2017, and has already gathered nearly 16 million total views. Specializing in personal finance, investing in the stock market and real estate, as well as entrepreneurship, Marko’s channel has more than 298,000 subscribers.
Interestingly though, his most popular video by far was one about cars – How Car Dealerships Rip You Off (The Truth). It drew an incredible 6 million+ viewers. Since Marko covers virtually any topic that’s financial, including the auto purchase game, he decided to reveal – on another video – how much he made on that 5 million viewer presentation.
It answers the question that’s on a lot of YouTube viewers minds, namely – how much money can I make on YouTube? After all, YouTube has become a big part of how so many Millennials are building their businesses and growing their fortunes.
Check This Out: In this video, How Much YouTube Paid me For My 5 MILLION View Video (Not Clickbait), Marko reveals the money he earned on the 5 million view video.
The video popularity is admittedly exceptional. But it gives you an idea what can be done on YouTube, with a combination of the right topic and a good presentation.
2. Graham Stephan
Graham Stephan’s story is one of the most interesting you’ll find from any YouTuber. Instead of going to college, he went into the real estate business at the tender age of 18. Not only is that incredibly young to go on real estate, but he did it at the worst possible time.
It was during the Financial Meltdown, when it was almost impossible to give away a home, let alone to sell one. But still he did, so much that he became a millionaire at the ripe old age of 26. As young as he is, climbing the ladder of success so early in life has given him incredible financial insight.
It shows on his YouTube channel. With over 1.5 million regular subscribers, his videos have attracted well over 100 million views since he began the channel in December, 2016. In a space of just over three years, Stephan has turned out hundreds of videos.
And while he may have made his fortune in real estate, he covers other ways to make money, investing, how to save money, credit scores, buying cars, and a whole lot more. Several of his videos have garnered more than 1 million views each.
Check This Out: In How I became a Millionaire in Real Estate by 26, Graham shares how he became a millionaire coming out of one of the worst real estate markets in history.
3. Ryan Scribner
Ryan Scribner is a financial YouTuber with a special emphasis on investing in stocks, though he does cover a wide range of other topics as well. With his emphasis on building a big stock portfolio with small, regular contributions, it’s not hard to see how his YouTube channel has grown to 551,000 subscribers.
But stocks aren’t all Scribner focuses on. Like many financial YouTubers, he also offers plenty of advice on how to cut your living expenses, earn extra money on the side, travel on the cheap, retire early, create passive income streams, and even start and manage a business.
And if you’re looking for the best investment services or apps, Scribner does regular reviews of dozens of products. If you’re a Millennial looking to build a financial future, Ryan Scribner’s a YouTuber well worth following.
Check This Out: If you have no money now, but high hopes for the future, watch I’m Building A $100,000 Stock Portfolio From SCRATCH (In 2020). It’s the first of a series in which Scribner demonstrates building a $100,000 dividend stock portfolio from scratch.
4. Financial Education
He goes only by his first name, Jeremy, but his Financial Education YouTube channel has grown to 402,000 subscribers, with well over 33 million views. He went from having no money at all at age 19, to owning a $200,000 stock portfolio by age 24. Now he’s sharing the secrets of his success with others on his YouTube channel. Jeremy also offers his subscription-based Private Stock Market Group for viewers who want to go deeper.
While he does dabble in other topics in is videos, mainly how to save money, Jeremy primarily presents content about investing in the stock market. In them, he covers everything from his own personal stock holdings, to discussions about individual stock performances, to how-to videos to help viewers build their own stock portfolios. Jeremy has been working at his YouTube channel since the beginning of 2016, and has turned out hundreds of videos to keep viewers coming back on a regular basis.
Check This Out: If you’re just starting out investing in stocks, watch Stock Market For Beginners 2019. Jeremy covers all the basics in this one, so you don’t need any advanced knowledge or experience. It’s already drawn almost 800,000 views!
5. Nate O’Brien
Nate O’Brien goes in a bit of a different direction from many other financial YouTubers in that his YouTube channel also has a large number of videos emphasizing minimalism, as well as investing and other personal finance topics. His About page says it all with a quote from Steve Jobs: “Your time is limited, so don’t waste it living someone else’s life”. That kind of approach by O’Brien has garnered 445,000 subscribers and nearly 22 million views.
Though his investing videos tend to be of the high-altitude variety, he weaves plenty of personal experience into his productions. For example, he shares his journey of how he made $220,000 on YouTube, his daily routine for maximum productivity, and how he got his own credit score up to 800. There’s even a video about his minimalist apartment that’s drawn 1.4 million views! I suspect that kind of transparency has a lot to do with why Nate O’Brien’s YouTube channel has become so popular.
Check This Out: If you’re looking for additional income sources to begin building your financial empire, 10 Uncommon Side Hustles To Make Money (2020) will help you get there. More than 634,000 people have already checked out this one.
6. Andrei Jikh
Andrei Jikh’s YouTube channel is dedicated to teaching personal finance, investing, and financial minimalism. The channel has 418,000 subscribers, and has drawn nearly 30 million views. What’s impressive about this YouTube channel is the incredibly wide variety of topics Jikh covers. While you would naturally expect to see plenty of investment related videos – and there are a good number of those – many deal with bigger picture financial issues in life.
For example, Jikh has videos showing how to save 50% of your income, how to set goals, how to retire by 30, protecting your assets, and calculating the renting-versus-buying decision on your home.
But one of the most interesting videos deals with the topic of when you should sell your stocks (he lays out five rules for selling). While there are so many financial analysts and videos that tell you what stocks to buy and when, very few give you the other half of the investment equation, which is when to get out.
Check This Out: We all want to know how we can turn a small amount of money into a portfolio big enough to retire on. But 10 Highest Paying Jobs You Can Learn (Without College) will help you get the capital to begin building that portfolio.
7. The Financial Diet
Hosted by Chelsea Fagan (among others), The Financial Diet YouTube Channel has a companion financial blog of the same name. This YouTube channel has been around longer than most, having been launched in the middle of 2015. And it has 775,000 subscribers and close to 60 million views to show for it.
The Financial Diet takes top honors in two categories: the diversity of topics it covers, and channel organization. Each of the video categories are neatly broken down, appearing under career, college, budgeting, and lifestyle.
But the channel also offers five very specific video categories:
- The Financial Confessions – how to live and interact with money.
- Making It Work – real-life stories from people who made their money work for them in meaningful ways.
- The Lifestyle Fix – shows you how to build a life you love on any budget.
- The Financial Diet – takes on personal finance topics from “every possible angle”.
- The 3-Minute Guide – breaking down complicated financial topics into easily digestible short videos.
Check This Out: 21 Little Luxuries That Make You Feel Way Richer Than You Are covers how little purchases and activities can make your life feel more rich and luxurious, without spending a lot of money. It’s an example of the out-of-the-box approach this channel takes to personal finance.
8. Nick True – MappedOutMoney
Understand finance, manage money – live your adventure is the headline of the MappedOutMoney YouTube channel. As host Nick True explains it, he, his wife, and their four pets live in an Airstream Camper full-time, and travel the country while talking about personal finance. If that isn’t a compelling life story, I don’t know what is.
His YouTube channel is different from the others on this list, because it primarily deals with the spending side of finances. For example, a popular video topic is budgeting. Nick has many videos dealing with the basics of budgeting, as well as what appears to be his favorite budgeting tool, YNAB.
But many of his videos also focus on an important financial foundation – attitude adjustment. Nick explains why you’re unable to become more prosperous, and the factors that lock you into that lifestyle. This channel is worth exploring if you’re looking to get a handle on your money situation at the most fundamental level.
Check This Out: How to Stop Buying Crap You Don’t Actually Want (Right Now) is a classic example of why so many fail to achieve financial freedom as a result of poorly constrained consumption habits. Nick wants you to think before you buy.
9. Debt Free Millennials
Host Justine Nelson paid off $35,000 in student loan debt at 25 on an average income of $37,000 per year. Anyone who’s accomplished that feat has an important story to tell. And she does it through her Debt Free Millennials YouTube channel, with the motto Crush Debt, Live payment free.
While Justine certainly covers plenty of get-out-of-debt topics – a subject close to the hearts and lifestyles of millions of Millennials – she doesn’t stop there. She also takes on topics like investing, self-employment, operating an online business, student loan debt refinancing, motivation and where to get the best deals on what you do purchase.
Check This Out: There may be no story more motivating to someone wanting to get out of debt than knowing how it feels from someone who has actually done it. Justine Nelson does that in What Life is Like After 5 Years of No Debt Payments. Sometimes knowing the end from the beginning is the spark you need to begin your own debt-free adventure.
Whatever financial obstacles you’re facing in life, you’ll probably find a solution on one of these YouTube channels. But since finance is such a broad category, and one you’ll be dealing with on multiple fronts throughout your life, becoming a regular subscriber of several of these channels may be the best strategy for dealing with whatever money problem comes your way.