Finfluencer

Finfluencers (finance + influencer) are content creators who talk about money on social media.

Reputable finfluencers in Germany:

✅ Finanzfluss (Thomas Kehl): 1.2+ million subscribers, factual, ETF-focused
✅ Finanztip: non-profit(!), independent, evidence-based
✅ Saidi (Finanztip): easy to understand, practical, scientifically sound
✅ Finanzwesir (Albert Warnecke): experienced, thoughtful, for advanced learners

Warning signs of dubious finfluencers:

❌ Promises "get rich quick"
❌ Promotes individual crypto coins or penny stocks
❌ Shows luxury cars and watches as "proof"
❌ Sells "exclusive" courses for €500–5,000
❌ No disclosure of partnerships/advertising

Golden rule: if a finfluencer recommends a specific product (a particular coin, a particular share), ask yourself: does HE earn money from YOU buying it? Commissions, affiliate links, sponsored posts – they influence the recommendation.