A new breed of influencers is taking the social media world by storm. The world of finance used to be the realm of old, white-haired men doling out sage advice about cutting back on five-dollar coffee and saving up.
These days, up-and-coming finance influencers are younger than ever. And they’re introducing personal finance management to a new audience who are craving to learn how to handle their finances better.
您应该知道的前15位新兴金融影响者：
What Is a Finance Influencer?
A finance influencer’s job is to provide financial information and share money knowledge to their audience. Platforms like TikTok, Instagram, Facebook, and YouTube are giving this new breed of finance influencers—also known as “finfluencers”—a voice while propagating their rise to stardom.
为什么新的金融影响者在当今文化中很重要
从前,如果人们想要找出which stocks to invest in, they would consult finance authorities like the Wall Street Journal for investment advice. Today, though, these sources are often seen as outdated and even boring. Most cannot relate to the information these platforms provide especially since they’re not designed for beginner investors.
The younger generation also feel unrepresented since these institutions target an older, wealthier class of audience instead of gen Zers and millennials who are learning to invest for the first time.
This is where social media andinfluencer marketing platformscome into play. Both have transformed the way people consume information and act upon it. Influencers focusing on financial advice now provide bite-sized personal finance information to an audience hungry for knowledge and guidance.
What makes finance influencers even more important in today’s culture is they discuss topics relevant to their audience—from how to pay off student loans or save up money to buy a house by the age of 30 to how to get rid of credit card debt or start investing in the stock market. It’s this relevancy that makes them so effective and popular among the younger crowd.
Another key aspect is they come with different specialties and target specific demographics. There are finance influencers who focus on investing and those who put an emphasis on personal finance and creating generational wealth. There are also others who choose to discuss topics like wealth building and eliminating debt, whose audiences include couples and women of color.
顶级真实影响者排名
Top 15 New Breed of Finance Influencers
1.金融饮食
社会链接：
- 网站：thefinancialldiet.com
- Instagram：@thefinancialdiet
- Twitter: @Tfdiet
- YouTube: The Financial Diet
Expertise:个人理财的基本知识和基础知识
金融饮食是由全女性工作人员经营的纽约公司。该公司于2014年最初是由作者切尔西·法根（Chelsea Fagan）作为个人博客。它的主要任务是通过允许妇女分享自己的经验来改善和改变我们周围的对话。他们在社交活动中非常活跃，提供有关金钱和分享见解的建议。他们还经营播客，即财务供词，在那里他们领导了关于金钱的诚实对话。联合创始人切尔西·法根（Chelsea Fagan）和劳伦·韦尔（Lauren Ver Hege）还以成功的网站命名一本书。
是什么使他们成功
从关于预算的精明建议到讨论在何处保存以及何时挥霍购买，金融饮食可以取消与谈论金钱有关的可耻面纱。正是这种使金钱对话正常化的能力使他们如此有效。他们的网站上充斥着无数文章，包括有关金融财富增长的技巧和技巧。前往他们的Instagram，以鼓舞和可行的有关个人理财，自我保健和生活的建议。
2. Delyanne Barros
社会链接：
- Website: delyannethemoneycoach.com
- Instagram: @DelyanneTheMoneyCoach
- TikTok: @delyannethemoneycoach
Expertise:教初学者投资者如何导航股票市场以及如何投资
迪琳·巴罗斯（Delyanne Barros）与家人一起从巴西搬到美国，并在迈阿密度过了大部分童年时代的生活。最终，她上了法学院，但最终以150,000美元的学生债务感到不满。但是，在短短的12年中，她设法清除了自己的债务，同时为自己创造了超过30万美元的净资产。
是什么使他们成功
Delyanne使任何可能不投资的人都可以进行投资。她强调投资，建立财富和管理金钱的重要性。她的大多数听众都是拉丁裔妇女，她们也经历了摆脱债务的斗争，同样希望通过了解股票市场来增强自己的投资知识。就巴罗斯（Barros）而言，她想教潜在的投资者如何“杀死股市”。
3. Humphrey Yang
社会链接：
- YouTube: Humphrey Yang
- Instagram: @humphreytalks
- TikTok: @humphreytalks
Expertise:提供易于消化的投资信息
Humphrey Yang started sharing financial information on his YouTube back in 2019 at the prompting of his friends. While his YouTube channel didn’t immediately take off, he did find a solid audience on TikTok. He began posting one video each day for 30 days on finance and investing. One of his first viral videos was a takedown on the costs of Hydro Flask. The video showed that most people buy for the branding and logo instead of the quality of the product.
是什么使他们成功
杨喜欢分解复杂的主题，例如投资和税收，因此即使是初学者也可以理解。他通过在Instagram和Tiktok上提供创意短视频来做到这一点。他的更长的视频可以在YouTube上找到。他以有趣而幽默的方式创建视频，吸引了年轻的观众。他的所有视频也被设计为免费和严格的信息。
4. Tiffany Aliche
社会链接：
- 网站：thebudgetnista.com
- Instagram：@thebudgetnista
- Twitter：@thebudgetnista
Expertise:个人理财管理和信息
Starting out as a preschool teacher, Tiffany Aliche has spent decades teaching people how to manage their money better. She’s authored several books on finance and is known for helping explain complicated money topics to a degree anyone can understand. She shares money advice through her website, her courses, her books, as well as various social media platforms.
是什么使他们成功
Budgitnista拥有教育工作者的背景，以清晰和简单的态度解释了钱。她不仅可以解决债务等问题，而且还通过每周提出独特问题的“虚拟水冷却器”来吸引她的社区。例如，她的Instagram中有一个#WathJobwednesday的部分，她向社区询问有关哪种工作类型适合某些情况的想法。例如，哪种类型的工作将适合创意者，或者有人以零美元开始哪种类型的收入来源。这些帖子中的评论部分是那些寻找想法的人的金矿。
5. Haley Sacks
社会链接：
- Instagram: @mrsdowjones
- tiktok：@mrsdowjones
Expertise:使财务管理有趣而有趣
海莉·萨克斯（Haley Sacks），著名的道德·琼斯（Dow Jones）夫人，首先以她聪明的财务模因开始吸引互联网的注意力。她是一个自称为“金融流行歌星”，她开始在2017年发布财务模因。她相信，如果您是艺人，那么您应该能够使任何有趣的东西变得有趣，甚至像金钱一样紧张而复杂。
是什么使他们成功:
她经常将预算和支出等主题与名人和流行文化进行比较。浏览她的Instagram，您会发现自己对自己的财务模因笑了起来，但同时点点头，同意他们分享金钱的无数真理。
During the pandemic, she also launched her “MDJ Stimulus,” a series of informative content aimed at providing advice on negotiating salary cuts, ways to save money during the crisis, or what to do after being laid off.
6. Dasha Kennedy
社会链接：
- 网站：thebrokeblackgirl.com
- Instagram：@thebrokeblackgirl
Expertise: Wealth building and dealing with debt
Dasha Kennedy is bent on empowering women to become their own financial advocate. Kennedy considers herself a millennial finance coach and activist who provides “no B.S., real talk coaching and strategies.” She began sharing her financial struggles on Facebook in 2017 in hopes of educating and inspiring other young women of color.
是什么使他们成功
The Broke Black Girl provides real talk finance strategies that everyday people can easily understand. Go through her Instagram feed and you’ll find helpful, relatable advice. She celebrates the small wins while also conveying sage advice on how to deal with money, earn more income, and most importantly, how to get rid of debt faster.
7. Anthony O’Neal
社会链接：
- Website: anthonyoneal.com
- Instagram: @ anthonyoneal
- YouTube: Anthony ONeal
Expertise:资金管理students
安东尼·奥尼尔（Anthony O’Neal）是最畅销的作家，演讲者和受欢迎的YouTube主持人，他们正在分享财务建议，以帮助学生管理债务和财务。奥尼尔（O’Neal）曾经以超过30,000美元的价格负债累累，最终使他在汽车上生活了一段时间。此后，他设法摆脱了债务，现在正在帮助其他人对自己的财务状况有清晰的愿景，尤其是债务深厚的学生。
是什么使他们成功
通过与债务的学生接触以克服债务，他提供了独特的人口。他还讨论了与金钱和财务有关的如何处理单身或恋爱关系的主题。
8. Cindy Zuniga-Sanchez
社会链接：
- Website: zero-basedbudget.com
- Instagram：@zerobasedbudget
Expertise:Debt repayment and personal finance management
辛迪·佐尼加·桑切斯（Cindy Zuniga-Sanchez）是一位纽约的财务影响者，他谈论了金钱和债务还款。她的公司零预算分享了她在短短48个月内克服超过20万美元的学生债务的旅程。今天，她无债务，并继续提供有关任何人如何克服其个人债务的建议。这包括提供大师班以及解释者，策略或解决方案以更快地偿还债务。
是什么使他们成功
在Instagram公开分享债务偿还之旅后，她获得了大量的追随者。她也很擅长保持自己的策略简单，将其分为三个简单的步骤：了解您的电话号码，有预算并找出债务还款计划。
9. Jeremy Schneider
社会链接：
- Website: personalfinanceclub.com
- Instagram：@personalfinanceclub
- Twitter：@perfinclub
- TikTok: @personalfinanceclub
Expertise:Investment and finance management
Jeremy Schneider emphasizes that living below your means and investing are two ways to generate wealth in order to live a financially free life. Schneider started off with a small startup at the age of 22 until 36 years old. By 37, he was fully retired, after selling his company. He later went out of retirement by 40 when he co-founded Nyckel, a machine-learning startup. His platform, Personal Finance Club, aims to provide investment information so “people can win with money.”
是什么使他们成功
他分享的建议源于经验。他擅长解释复杂的投资条款，同时确保听众了解到每个财务决策都会产生后果。他还在他的Instagram上提供了精美的图形解释器，帮助其他人洞悉其支出习惯，如何最大化它以及如何开始投资。
10. Anjie and RJ Muhammad
社会链接：
- Website: richbyintention.com
- Instagram: @ richbyintention
- Twitter: @richbyintention
Expertise:为夫妇和家庭建立财富
Married since 2017, Anjie and RJ Muhammad knew money could become a big issue for couples if it wasn’t dealt with right. They both made the decision to sit down, figure out their debts, and work on getting rid of it together. After vanquishing $123,000 in debt, they’re sharing their journey and helping other couples deal with conversations about money and debt.
是什么使他们成功
富裕的意图有一个独特的利基市场，因为他们吸引了努力摆脱债务或弄清自己的金钱状况的夫妇。他们还与其他领先的财务影响者进行了有关各种货币主题的播客访谈。
11. Sara Rosalia
来源：tiktok.com
社会链接：
- 网站：sarafinance.ca
- YouTube: Sara Finance
- TikTok: @sarafinance
Expertise: Building wealth early through different income streams
萨拉金融公司（Sara Finance）甚至还没有20岁，并且已经开始从几个收入流中击中她的第一百万美元。她活跃于Tiktok和YouTube，并分享有关建立投票业务和其他收入流的建议，以帮助产生收入。
是什么使他们成功
The fact that Sara Finance has started building considerable wealth at her age is inspiring for many people. Her content is a great way to reach teens and get them interested in creating businesses and generating income.
12. Steve Chen
社会链接：
- 网站：calltoleap.com
- Instagram：@calltoleap
- Twitter: @calltoleap
- TikTok: @calltoleap
Expertise: Investing
A former math teacher, Steve Chen aims to increase his audience’s financial literacy so they can also live a financially free life. His own struggles with money led him to become a finance coach. He runs his own company, Call to Leap, a community that focuses on providing a beginner’s guide to investing and trading.
是什么使他们成功
On his various socials, you’ll find him offering relevant information on investing. The fact that he used to be a teacher means he can easily communicate the complicated world of investing in simple terms. Aside from great explainer content, he also creates entertaining reels and TikToks explaining investing terms and strategies.
13.何塞·拉斐尔·埃尔南德斯
社会链接：
- Instagram: @thejoserafaelhernandez
Expertise:Investing
After growing up in a low-income household as an immigrant and later working for wealthy people as a financial advisor, Jose Rafael Hernandez could see the difference of what a financial education could provide. As a result, he decided to launch his own financial education company in hopes of teaching and inspiring others to create wealth through investing.
是什么使他们成功
滚动浏览他的Instagram页面，您会发现它充满了很多视频，详细介绍了有关投资的不同主题。他用清晰，可理解的术语解释了这一点，因此即使是初学者也可以掌握它。他还提供了有关为更多高级学习者投资的深入解释。
14. The Finance Josh
社会链接：
- Instagram: @financejosh
Expertise: Investing
乔什·高斯登（Josh Gausden）甚至还没有20岁，他已经创作了一本关于投资的书。新型财务影响者的一部分，高斯登（Gausden）在其Instagram页面上提供了各种投资建议。
是什么使他们成功
Instead of just focusing on one main topic, he covers a good amount of money topics such as investing in index funds, credit scores, and cryptocurrency.
15. Ramit Sethi
社会链接：
- 网站：iwillteachyoutoberich.com
- Instagram: @ramit
- Twitter：@ramit
Expertise:Money psychology, investing, entrepreneurship
以他的书而闻名I Will Teach You to Be Rich, as well as his website and the countless courses he has created, Ramit Sethi is one of the most interesting finance coaches to come out within the past decade. A Stanford graduate, he talks about various money topics and is bent on helping readers live their own “rich life.”
是什么使他们成功
拉米特·塞西（Ramit Sethi）是一位毫无废话的财务教育家，他不怕用自己的意见来弄乱一些羽毛。他帮助无数人更好地了解了他们的个人金钱心理学。最重要的是，他的计划还通过建立企业或学习如何更好地谈判加薪来帮助无数其他人创造财富。
最后的想法
虽然在货币方面没有任何一种适合的方法，但要开始您的资金之旅至关重要。无论您是想投资，了解加密货币还是消除债务，都有像这种新品种金融影响者这样的人准备指导您进入财务自由之旅。
