From budgeting to investing, these Tiktokers make money matters simple

Tired of wading through endless articles that drown you in financial jargon? Personal finance is getting a fun and informative makeover on Tiktok, with creators offering easy-to-digest tips — especially for Singaporeans.

What are finfluencers?

In recent years, “finfluencers” – or ‘financial influencers’ – have taken off worldwide, with some amassing millions of followers. Their content spans spending tips, saving strategies, and investment insights, all delivered in bite-sized videos designed for easy consumption.

A 2024 MoneySmart study found that social media is becoming a go-to for financial advice in Singapore. More than half of 1,000 respondents said they rely on platforms like Tiktok, Instagram, and Youtube for tips – often over family or financial advisers. About one in five checks social media every day for advice, while nearly half follow specific influencers.

Beyond offering tips, finfluencers can raise awareness about financial products and services and contribute to improving financial literacy.

How finfluencers earn

Sure, their content is designed to help you earn more, save smarter, and invest wisely – but what about their own money? Finfluencers aren’t just sharing advice from a theoretical standpoint. Many are actively building their own wealth, experimenting with investments, side hustles, and entrepreneurial ventures, all while giving followers a front-row seat to the highs and lows.

Revenue streams for creators can include sponsored content, ad revenue, affiliate marketing, and other side projects. The Weeblings, a Singapore-based sibling duo, are a prime example. In a 2023 interview with Dollars and Sense, they explained that documenting their journey to $1 million online goes beyond investments and trading – they also earn through sponsorships, agency work, and even an e-commerce venture. 

And, on platforms like TikTok, views themselves are a key driver of income, which means content is shaped not just by expertise, but by what attracts engagement – a reality that viewers should keep in mind when taking tips at face value.

But building wealth in public comes with responsibility. With influence comes scrutiny, and questions around credibility and ethics are never far behind – especially when followers may take action based on what they see online.

The credibility question

Unlike traditional financial institutions, individual finfluencers operate in a space without formal oversight – broad, non-personalised content on financial planning does not count as regulated financial advice under the Monetary Authority of Singapore (MAS), which means creators are generally free to share tips without licensing.

Even so, eight complaints against financial influencers, or “finfluencers,” were made to MAS between January and April 2025, up from an average of five per year over the last five years. None of these complaints resulted in enforcement action.

That underscores an important point: the responsibility often falls on viewers to separate educational content from advice that could carry real risk.

Finfluencers can be valuable guides, offering insights and practical tips, but content should always be consumed critically. Look for clear disclosures, reasonable claims, and transparent explanations of risk – and remember, online popularity does not equal expertise. 

Until more formal oversight or standards are in place, discernment remains the viewer’s most important tool.

Here are some key red flags to watch for:

1. Overly hyped returns or guarantees

If a creator promises high or “guaranteed” returns, that’s a warning sign. Investments inherently carry risk, and no one can truly guarantee profits.

2. Pressure to act quickly

Urgency is a classic tactic to drive clicks and engagement. Be cautious if content encourages you to deposit, trade, or purchase immediately – especially if it links to a sponsor’s product.

3. Lack of transparency about sponsorships

Influencers may receive compensation for promoting certain products. Ethical creators will disclose sponsorships clearly; if this is missing, it’s harder to know whether advice is impartial.

4. Simplified strategies with little context

Content that reduces complex financial products or trading strategies into bite-sized “quick wins” may overlook risks or important details. Always cross-check information from reliable sources.

5. Emotional appeals and personal anecdotes used to persuade

Stories of rapid wealth accumulation or dramatic gains can be compelling – but personal experience doesn’t replace proper research or professional advice.

Who to follow for smarter money moves

Whether you’re a budgeting beginner, a credit card enthusiast, or a travel hacker, there’s a TikTok creator ready to help you make smarter financial choices. 

From sibling duos documenting their million-dollar journeys to seasoned bloggers sharing practical tips, these finfluencers blend expertise with personality – offering a valuable first step toward navigating the world of finance with confidence.

Your Lobang Sis (@yourlobangsis)

Meet Audz, your friendly neighbourhood lobang queen and credit card guru. 

Feeling overwhelmed by all the different credit card options and travel rewards programs? Audz understands the struggle. She started Your Lobang Sis (formerly known as IJustTryLah) to help busy friends navigate the complexities of credit cards through short, engaging Tiktok videos. 

After all, who has time for lengthy articles with financial jargon that put everyone to sleep? Her passion for travel and finding deals is contagious, and her short videos break down complex financial concepts into easy-to-understand chunks. 

Inspired by her own journey of turning everyday spending into travel adventures, Audz empowers her followers to maximise their credit card rewards and unlock their travel dreams. 

Whether you're a seasoned miles collector or just starting your credit card journey, her informative and relatable content will equip you with the knowledge to make your money work for you.

Niao Like Siao (@niaolikesiao)

Don't let the name "Niao Like Siao" (which translates to "stingy like crazy" in Hokkien) fool you! 

Melvin Seetoh, the mastermind behind this account, is all about smart spending. He goes beyond just typical finance tips, offering clever life hacks that can save you money in the long run. 

From finding budget-friendly food options around Singapore to uncovering hidden deals on everyday essentials, Niao Like Siao will show you how to be prudent in a fun and relatable way.

Jiax The Piggy Banker (@jiaxthepiggybanker)

Calling all wanderlusting Singaporeans with a passion for travel deals! Jiax The Pigger Banker is your ultimate guide to unlocking the world without breaking the bank. 

Jiax's magic lies in his ability to sniff out incredible flight deals. He's a master at scouring the web, analysing airline promotions, and leveraging travel hacking strategies. The result? Deals that seem too good to be true, like roundtrip flights from Singapore to Los Angeles for under $1,000, and trips to Italy for less than $800!

But Jiax doesn't just keep the good stuff to himself. He generously shares his travel wisdom through engaging and informative Tiktok videos. He unveils the secrets behind finding hidden travel gems, teaches you how to identify error fares (those amazing mistakes airlines make with pricing!), and shows you how to strategically leverage credit card rewards programs to maximise your miles and points for even cheaper flights.

Chequanxiaoqiao (@chequanxiaoqiao)

Just bought a car and feeling overwhelmed by the costs of maintenance and repairs? Don't worry, Chequanxiaoqiao, a Chinese TikToker, is here to be your knight in shining armour (or should we say, grease-stained overalls?). 

With a whopping 1.7 million followers, Chequanxiaoqiao has become the go-to TikTok account for car owners around the world looking to save money and avoid unnecessary trips to the workshop.

Her videos are packed with easy-to-follow hacks that show you how to fix common car problems yourself, saving you hundreds (even thousands!) of dollars. 

Imagine replacing a faulty brake light switch yourself instead of paying a hefty workshop fee – that's the kind of money-saving magic Chequanxiaoqiao teaches. She uses clear visuals and easy-to-understand explanations, making even the most intimidating car repairs seem manageable to DIY. 

Chequanxiaoqiao goes beyond just fixing problems. She even equips you with valuable knowledge about your car. Learn hidden features and functionalities you might not have known about, master the art of expertly judging distances between cars when parking (goodbye, parking woes!), and gain a deeper understanding of how your car operates.

Shaik Amar (@thatproperty.guy)

The Singapore property market can feel like a complex maze, with so many options to choose from and paperwork to do. 

Shaik Amar, a property agent in Singapore, simplifies the complexities of buying a home, offering clear explanations on different property types, market trends, and valuable insights for aspiring homeowners. 

Buying a property is a significant investment, and avoiding pitfalls is crucial. Shaikh Amar sheds light on common mistakes first-time buyers make, equipping you with the knowledge to navigate the process smoothly. From choosing the right HDB flat to securing the most favourable loan options, his videos offer a wealth of practical advice.

He tackles topics like HDB vs. bank loans, helping you navigate financing options, and guides you on selecting the perfect resale unit based on your needs and budget. He even equips you with negotiation strategies to ensure you get the best possible deal.

Another the beauty of his TikTok presence lies in the interactive element – simply leave a comment with your questions, and Shaik is known to respond with insightful advice. 

The Weeblings (@theweeblings0)

The Weeblings – Sara and Aaron Wee – a Singapore-based sibling duo sharing their journey to $1 million online. They launched on TikTok in November 2021 and have since built a following of nearly 40,000.

Their content focuses on the highs and lows of building wealth, with bite-sized videos on investing, trading, macroeconomics, personal finance, and entrepreneurship.

Fans tune in for updates on their $1 million journey, the investments and trades they are making, and practical guides like Fibonacci tutorials, SGX stock insights, credit card mile hacks, and budgeting tips.

While most of their audience follows for wealth-building insights – covering both growth and preservation – their sibling banter adds a relatable, human touch that has also gained them a smaller but dedicated following.

Budget Babe SG (@sgbudgetbabe)

With 53,000 followers across Instagram, Facebook, Youtube, and Tiktok, Dawn Fiona Cher has built a reputation as a practical guide for personal finance.

Her content covers everything from maximising credit card rewards and travel hacks to strategies for avoiding panic-selling during market volatility. She is additionally unafraid to call out financial products she finds suspicious, helping her audience navigate the growing array of investment and savings options responsibly.

Dawn’s approach blends education with relatability: she shares personal experiences and lessons learned from her own investment journey, which spans cryptocurrencies, US and Hong Kong stocks, and shares in Singaporean companies.

For viewers, her content provides not just tips, but a clear sense of what it looks like to apply financial strategies in real life – making her channels a valuable stepping stone for anyone looking to gain confidence in managing money.

The Woke Salaryman (@thewokesalaryman)

Co-founded in 2019 by animator Goh Wei Choon, The Woke Salaryman takes a refreshingly creative approach to personal finance. Rather than focusing on technical analyses or step-by-step investment guides, the platform explores broader, relatable themes – from Gen Z’s place in today’s economy due to stakeholder capitalism, or even the idea of “downgrade potential” in Singapore’s housing market.

Goh distills these complex concepts into accessible, comic-style visuals on Tiktok and Instagram, making abstract financial ideas engaging and easy to digest. For viewers, The Woke Salaryman isn’t just about learning to manage money – it’s about understanding the bigger picture of how money, society, and life intersect.