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Right, pull up a chair. Or don’t. Doesn’t matter to me. I’ve been watching this whole “personal finance” circus for longer than most of you have been paying taxes. Seen fads come, fads go, gurus rise and fall like a cheap soufflé. And now it’s all on the internet, innit? YouTube. The kids these days, they get their money advice from folks in bedrooms, not from their granddad or a bloke down at the pub. Wild, I tell ya. Proper wild.
This whole thing about “top channels in 2025” – bloody hell, it’s like asking which way the wind blows next Tuesday. Things change fast. What’s hot today might be a forgotten meme by next Christmas. But some stuff, it sticks. Like a bad habit or a good steak. You gotta sort the wheat from the chaff, see? Most of it’s just bluster and selling courses. Don’t fall for that. Your granny always said, “If it sounds too good to be true, it probably is.” Smart woman, my granny. Never saw a YouTube channel in her life.
The Noise Is Deafening, The Wisdom Is Scarce
So many voices screaming at you. “Get rich quick!” “Buy this crypto coin, it’s going to the moon!” “Leverage your debt!” Jesus, makes my ears bleed. Most of it’s just recycled garbage, dressed up in fancy graphics and a quick-cut editing style that makes your head spin. What’s important? The basics. Always the basics. Spend less than you earn. Pay off your damn debts. Invest for the long haul. That’s it. That’s the secret. The rest is just window dressing. But people, they want the magic pill, don’t they? They always do.
You ask me, “Are these channels even relevant in 2025?” Well, some are. The ones that stick to principles, not just chase the latest shiny object. The ones that actually explain why something works, not just what to do. Too many just scream a stock ticker at you and expect you to blindly follow. That ain’t advice. That’s a gamble. A mug’s game, if you ask me.
The Big Guns And The Quiet Achievers
Look, you got your big names, the ones everyone talks about. They built an empire, these blokes. And good on ‘em. Took a lot of hustle, no doubt.
Graham Stephan, the property Peddler and Stock Talker
Remember Graham Stephan? He was everywhere for a while. Still is, I reckon. That California vibe, talking about real estate and saving pennies. Makes you wonder if he actually drinks all that cold brew coffee. He built his thing off showing how he got into property young. Talked about saving a quid here and there. He’d get into the nitty-gritty of how much you spend on coffee, stupid stuff, but it hits home for some people.
He’s big on the real estate game, flipping houses and all that. You want to get into that, you’re not just watching videos. You’re talking to real estate firms. The big ones, like Keller Williams or Re/Max, they know the market. Or the smaller, local outfits, the ones that know every brick and mortar in your postcode. He also talks stocks a lot. So you’re thinking about getting an investment account, you’re looking at Fidelity or Charles Schwab, maybe Vanguard for the index fund types. Not just some app with bright colours. You gotta put your money somewhere safe, right? Where it actually exists. That’s the real world, not YouTube comments.
You can really get rich from YouTube advice? Some do. Some don’t. It’s like asking if you can get fit from watching exercise videos. You still gotta do the push-ups, don’t you? Same with money. The video’s just a guide. You do the heavy lifting.
Andrei Jikh, The Crypto Lad
Then there’s Andrei Jikh. Bit of a magician, that one. Always showing off some card trick or something before he dives into crypto. Made a name for himself during that whole Bitcoin explosion. He’s more about the wild west of investing, the digital stuff. NFTs, DeFi, all that jazz. My head spins just thinking about it.
If you’re wading into crypto, you better know what you’re doing. It ain’t for the faint of heart. You’re looking at exchanges like Coinbase or Binance. Proper digital wild west, mind you. Or some of those newer trading apps, like Robinhood or Webull, that let you dabble in both stocks and crypto. Still, you gotta be careful. Seen too many people get burned playing with fire. More like burning money, if you ask me. Some of these things, they’re just digital snake oil. No, not all of them. But some. You think you’re smart, then the market does something stupid. Happens.
The Plain Bagel, Just Plain Smart
My pick for steady as she goes? The Plain Bagel. Don’t let the name fool ya. That’s a clever lass, that one. She doesn’t scream, doesn’t jump around. Just sits there and explains complex stuff in a way that makes sense. Market crashes, interest rates, economic principles. Proper sensible, no fluff. Like a good, strong cup of tea.
She’ll talk about how markets work, what drives them. Not pushing a get-rich scheme. More like how to understand the machine, rather than just pressing buttons. For that kind of understanding, you’re looking at research houses like Morningstar, or if you’re serious, the kind of data you get from a Bloomberg Terminal – not that you’ll have one of those in your spare room, but that’s the level of data she’s breaking down. Real insights, not just hot air. Is that a common question, “Are specific channels better for beginners?” Yeah, obviously. This one, The Plain Bagel, she’s a good start. Slow and steady wins the race.
The Grind, The Hustle, And The Hard Truths
It’s not all investing, is it? Sometimes you just gotta get your finances in order, stop the bleeding, as it were.
Caleb Hammer, The financial Interrogator
This bloke, Caleb Hammer, he gets right in there with people’s messy money situations. “Financial Audit” he calls it. People come on, show him their bank accounts, their debt, their spending habits. It’s like therapy, but with spreadsheets. He doesn’t sugarcoat it, that’s for sure. Calls them out on their nonsense spending. Seen him chew out some poor sod for spending five hundred quid a month on takeaways. Proper eye-opener for some folks.
If you’re watching him, you’re probably neck-deep in debt or just clueless. And that’s alright, happens to the best of us. But then you gotta do something about it. That means talking to a credit counseling service, maybe like GreenPath Financial Wellness or hitting up a local credit union. Places like Navy Federal Credit Union if you’re in the right sector, or just your local community bank. They actually deal with real people and real debt. Not just talking shop. You want to know if it’s all just selling courses? For him, it’s mostly getting folks to face the music, maybe pushing a budgeting tool. He’s direct. I appreciate that.
Minority Mindset, Wealth for All
Then you’ve got Minority Mindset. Always pushing for financial literacy in communities that often get left behind. Wealth building, not just debt avoidance. That’s a good message. They talk about owning assets, passive income, all that stuff. It’s not just for the privileged few, right? Everyone should get a piece of the pie.
They’re looking at the bigger picture, wealth creation for regular folks. So you’re thinking about actual investments, beyond just your local savings account. Maybe looking at big asset managers like BlackRock – yeah, BLK on the ticker, they’re massive. Or getting a proper banking relationship with someone like JP Morgan Chase if you’re in the US, or one of the big four down in Sydney. They push folks to think bigger than just their next paycheck.
The Old Dogs And The New Tricks
Some folks have been at this game forever. And they still pull a crowd. Good for them.
Ramit Sethi, The Automation Guy
Ramit Sethi, “I Will Teach You To Be Rich.” The book came out donkey’s years ago. He’s been pushing automation, making your money work for you, not just scrimping every penny. He says spend on what you love, cut mercilessly on what you don’t. Sensible, if you can actually do it. Most people can’t. They love everything.
He talks about automating your investments, your bills. So you’re setting up direct debits with your Bank of America or Chase account. Or you’re looking at places that help you earn more, develop high-income skills. Not a bank, but thinking about online learning platforms like Teachable or Kajabi where people sell courses to teach you stuff. He’s a bit more about the “earn more” side of the equation, which I can get behind. Saving a buck is fine, but making another ten? That’s better.
Dave Ramsey, The Debt Slayer (For Some)
Now, Dave Ramsey. Good old Dave. The grandaddy of debt-free living. Scream, shout, tell people to sell their kidney if they have to. Okay, not really a kidney, but you get the picture. He’s got his followers, millions of ’em. The baby steps, the debt snowball. It works for some. They swear by it.
His stuff is all about getting out of debt, cutting up credit cards. No ifs, buts, or maybes. Straight up. He’s got his Financial Peace University through churches and community centres, bless his heart. You’re looking for that kind of structured, almost cult-like approach, then that’s your guy. Or maybe you want proper debt counseling, non-religious stuff, then you’d be looking at places like Debt.org or finding a reputable local non-profit. Folks always ask, “What about financial advisors?” Dave says no. Others say yes. Me? If you got enough money to need one, you probably need one. If you ain’t got a pot to piss in, you need to sort the basics yourself.
What’s Your Time Worth, Anyway?
See, it all comes back to the same thing. You can watch all the YouTube videos in the world. Spend hours, days even, soaking it all in. But unless you actually do something, it’s just entertainment, innit? Like watching someone else eat a good meal. Doesn’t fill your belly.
People waste so much time chasing the latest tip, the hottest stock. When they could be out there working another shift, picking up a side gig, learning a new skill. That’s real money, that is. Not some theoretical future gain.
My answer is usually this: Pick one or two channels that resonate. Don’t subscribe to every single one. That’s just information overload. It’s like trying to drink from a firehose. You’ll drown. What you need is a steady drip, drip, drip. Consistent, sensible stuff. And then, for God’s sake, act on it.
The truth is, 2025 ain’t going to be much different than 2024 or 2023 when it comes to money. The economy goes up, it goes down. Folks still gotta pay the bills. Still gotta save for retirement. Still gotta deal with unexpected stuff. A good financial plan isn’t about being smart enough to predict the future. It’s about being sensible enough to handle whatever the future throws at you.
Bloody hell, my coffee’s gone cold. Again. Go on, get out of here. Think about it.
