* 📊 Budgeting spreadsheets & digital tools

They're not your friend, they're a business. || Thanks to SURI for partnering with me! Shop here https://suri.yt.link/ydTQw7B and use my code to get extra 15% of SURI — you’ll see why I love it so much. Financial influencers — or “finfluencers” — are everywhere online, offering advice on how to invest, spend, and build wealth. But here’s the thing: most of them don’t actually care what happens to your money. In this video, I break down the incentives that drive financial content online, why even well-meaning creators can’t truly be responsible for your financial outcomes, and how to approach finfluencer advice with the skepticism and critical thinking you need to protect yourself. * 📷 My Instagram: https://www.instagram.com/thefinancialfreedomgirl/ * 📷 My TikTok: https://www.tiktok.com/@thefinancialfreedomgirl * My Patreon: http://patreon.com/caranicole 💌 Want to support the channel? Here are a few ways! * ☕ Buy me a coffee: https://www.buymeacoffee.com/cara.nicole * 🥂 Join my Patreon: https://patreon.com/caranicole * 📊 Budgeting spreadsheets & digital tools: https://www.etsy.com/shop/FinancialFreedomGirl * 📨 Subscribe to my newsletter: https://thepopfinancereport.substack.com/ 🎥 Check out some of my other videos! 🎥\ • "Why Crypto Is The Biggest Scam Ever": https://youtu.be/aC6tzl9tYFA?si=eNjxFPqiVRj3N8QJ • "How I'd Reach Financial Freedom If I Had $0 Again": https://www.youtube.com/watch?v=_dnkdFYmiGg • "Why You Need to Quit Social Media in 2026": https://www.youtube.com/watch?v=dBdoEmI7-Xg 🔍 Resources mentioned: "How to Win With Money in 7 Baby Steps": https://www.ramseysolutions.com/budgeting/how-to-win-with-money-in-7-easy-baby-steps?utm_campaign=connectedJourneys&utm_content=articles_sharing&utm_term=dfd&utm_source=x_share "Dave Ramsey faces $150 million lawsuit for promoting company accused of fraud": https://www.cbsnews.com/news/dave-ramsey-getting-sued-150-million-lawsuit-timeshare-exit/ "Dave Ramsey Says He Made A Record $300M In 2025 – 'God's Been Good To Me'": https://finance.yahoo.com/news/dave-ramsey-says-made-record-010109744.html "The rise of ‘finfluencers:’ Can you really trust financial advice on social media?": https://finance.yahoo.com/personal-finance/banking/article/can-you-trust-finfluencers-205111042.html Finance creators I like: Vivian Chu: @YourRichBFF McKenzie Mack: @ItsMckenzieMack The Money Guy Show: @MoneyGuyShow Ramit Sethi: @ramitsethi 📊 Keywords for some sweet, sweet metadata: personal finance, influencers, influencer culture, social media, pop culture, tiktok, instagram, youtuber, money problem, money management, impulse shopping, spending money, video essay, Cara Nicole, overspending, overconsumption, consumerism, lifestyle inflation, fake rich, debt, poor, influencer income, shopping addiction, compulsive shopping, budgeting, budget, money management, finances, screen time, screen time addiction #videoessay #personalfinance #finfluencers