Everyone’s a Finfluencer Now. Here’s How to Spot the Real Deal

An ad stopped me mid-scroll this week. From zero to a million. In a year. Just by manifesting. That was the pitch. No saving. No investing. Just believe hard enough and the million appears. You can manifest all you want. You are not becoming a millionaire in a year by thinking about it. But somebody is buying it. That is why the ad exists.

And it is not one ad. There is an explosion of them. Finance guys. Money girls. “Wealth mentors.” All holding the same tiny microphone, all giving the same generic tips. It is like they all did the same course. How to become a finfluencer in 30 days. Step one, buy a small mic. Step two, film yourself in a kitchen. Step three, say “most people do not know this” and then say something most people do know. Thousands of followers, and when you open the follower list it is full of half-finished profiles and misspelt names. Education, they call it. Not advice. Because advice is regulated and education is not.

And then there are the ones that are hardest to spot, because they look completely legitimate. The regulated adviser who praises index funds online, then sells managed funds in private on a fat fee. The pension adviser moving you off a brilliant corporate pension into a pricier one, because that is where the fee is. The seminar promising you will manifest your millions for a few grand. Same tiny mic. Different price tag.

So how do you block out the noise? You ask one question. What is their motive? If they are not qualified, why are they giving financial advice at all? What do they get out of it? A brand deal. Free stuff. Your few thousand for a seminar. If the pitch is manifesting, or getting rich quick, or trading your way out of your job, that is the tell. Real wealth is painfully boring. It is a pension. An index fund. Twenty years of not touching it. Nobody sells a course on that, because there is nothing to sell. And if someone praises the cheap, simple thing in public and sells you the expensive, complicated thing in private, believe what they sell, not what they say.

Now, fair is fair. If I am asking you to check everyone’s motive, I should show you mine. I run a business. I make money. My agenda is to teach people the skills to manage their own money, and to charge for that teaching. I do not take a commission on a single product I recommend. I never sell you a fund and call it advice. I would never recommend something I would not do myself. And I am trying to prove a point: that you can build a real business giving people advice that actually helps them, instead of taking a cut of whatever you talk them into. That is my motive, on the table. Because here is what every finfluencer and every adviser has in common, including me. We all have an agenda. Which is why the only adviser you should fully trust is you. Everything I teach is pointed at that. Not making you depend on me. Making you good enough that you do not need me.

Here is what that sounds like from the other side of the table. “It was great to get educated insight from someone who had my best interests in mind. There was no vested interest in me buying a specific financial product on which he would get paid commission.” That is Mel O’Brien at HubSpot. No product. No commission. Just the numbers, and a client who can now run them without me in the room.

So this weekend, one thing. Next time a money tip stops your scroll, do not ask if it is true. Ask what the person gains if you believe it. Follow the motive. It tells you almost everything.

And if you are wondering whether someone else’s agenda is quietly costing you money, that is exactly what I look at on a call. No product to sell you. Just your numbers, and the handful of moves that actually matter. Here is a short video on what I actually do: https://go.bamillionaire.com/watch-now, or book a call: https://go.bamillionaire.com/apply

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