It’s hard to scroll for five minutes without running into someone giving money advice. Some of it’s helpful. But, a lot of it…not so much. Just because someone has a viral video or a huge following doesn’t mean their tips are smart—or safe. In fact, a lot of popular advice floating around on social media can quietly lead you in the wrong direction.
They Make Risky Moves Look Simple
Watching someone make fast money from flipping houses or day trading can be tempting. But what you don’t see is the cushion they had if things went south. These strategies come with real risks, and if you don’t have a backup plan, one misstep can set you back big time.
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They Skip the Important Details
Finfluencers love a good soundbite—but real financial decisions aren’t always that simple. You may hear “buy real estate” or “start a business,” but no one’s explaining the legal stuff, tax headaches, or what happens if it all flops. That missing info can make all the difference.
They Push Hustle Culture Hard
“Work 24/7.” “No excuses.” “Turn your hobby into a side hustle.” Social media can make you feel like you’re lazy if you’re not monetizing everything you do. But constant hustling isn’t a long-term strategy—it’s a fast track to burnout, especially if you’re already stretched thin.
They Only Show the Highlights
Social media is a highlight reel. That finfluencer who claims they made six figures in a year? They’re not talking about the years they struggled, the money they borrowed, or the support system behind the scenes. It’s easy to feel like you’re behind when you’re only seeing their best moments.
They Frame Spending as “Investing in Yourself”
Ever notice how some creators talk about “investing in yourself” right before pitching a pricey course or tool? It sounds smart, but it’s still spending—and it’s often designed to benefit them more than you. Not every opportunity needs to come with a price tag.
They Act Like Debt Is Just a Tool
Some advice makes credit cards or loans sound like a shortcut to wealth. Sure, debt can be useful in the right situation—but if you’re already tight on money, it’s more likely to add stress than success. There’s a difference between strategic and risky, and social media often blurs that line.
They Give Advice Without Knowing Your Life
A lot of these accounts are run by people with zero financial credentials. They’re speaking in general terms, but you’re the one living with the outcome. What works for someone with no kids, no debt, and a six-figure job may not work for you—and that’s okay.
They Make You Second-Guess Yourself
Even if you’re doing just fine, watching others online can make you feel like you’re not doing enough. It can push you to take on things you’re not ready for—just to keep up. That pressure can be subtle, but it adds up fast.
Think Before You Follow
Not all finfluencers are bad. Some genuinely care and share ideas that make sense. But you don’t need to follow every trend or copy what someone else is doing. Your money, your goals, your pace—that’s what matters. Take what helps and leave the rest.
8 Little-Known Financial Tips That Could Change Your Life
Are you sick and tired of being sick and tired? Your finances are out of control, you live paycheck to paycheck, and you are perpetually stressed about money. These eight tips will help you improve your finances…and your life. If you’re struggling with your finances, read through this post and find the strength to take the first step. Just one step. Then another. And another. 8 Little-Known Financial Tips That Could Change Your Life