Investing creators are on a separate list
Creators whose main subject is investing, retirement or markets are listed on investing app creators, not here. Investing content raises securities rules that budgeting content usually doesn't. If your product touches brokerage or advice, read finfluencer compliance for investing apps first. Nothing on this page is an investment recommendation.
The shortlist
| Creator | Audience and reach | Best fit | Example work |
|---|---|---|---|
| Caleb Hammer (Financial Audit) · YouTube @CalebHammer · Apple Podcasts | People with debt who like blunt, entertaining audits; 4M YouTube subscribers (vidIQ) | His audits put real budgets and debts on screen, so a budgeting, debt or credit tool can be shown fixing the exact problem the episode is about. He already reads a credit-building sponsor | "Financial Audit's Most Evil Father", 2026-10-23 |
| The Ramsey Show · YouTube @theramseyshowepisodes · Apple Podcasts | Debt-averse households following a step-by-step plan; 1.19M YouTube subscribers, full-episodes channel (vidIQ) | Fits debt-payoff, insurance and non-budgeting money products. Budgeting apps should skip it: the show promotes its own EveryDollar app | "Don't Let Guilt Call The Shots On Your Finances", 2026-10-27 |
| Ramit Sethi (Money For Couples) · YouTube @ramitsethi · Apple Podcasts | Couples working through money conflict; 1.14M YouTube subscribers (vidIQ) | Every episode is a couple's real spending problem, which is the use case for shared budgeting and money-management apps. His listeners already hear a budgeting-app read (Monarch) most weeks | "282. 'We spend 154% of what we make…'", 2026-10-13 |
| Tori Dunlap (Financial Feminist) · Apple Podcasts | Women building savings, income and careers; #181 in Apple Podcasts US Business | Her current "Financial Foundations" series teaches budgeting and saving from zero, a natural home for savings and first-account products. She already runs a presented-by series sponsor | "How to Ask for a Raise in 2026", 2026-10-06 |
| Brown Ambition (Mandi Woodruff and Tiffany Aliche) · Apple Podcasts | Black women focused on careers and wealth; Twice weekly, 906 episodes, latest 2026-10-30 (Rephonic) | Career and earnings talk twice a week makes it a fit for savings, earned-wage and career-money products aimed at women | "Build a Career You Don't Have to Compete for", 2026-10-14 |
| Nick Loper (The Side Hustle Show) · Apple Podcasts | People earning outside a day job; #23 in Apple Podcasts US Entrepreneurship | His guests run small businesses, so invoicing, business banking and budgeting tools fit the content directly. He already reads Monarch and Freshbooks | "765: The $50k/mo One-Person Agency", 2026-10-15 |
| Karlton Dennis · YouTube @karltondennis | Business owners and landlords who want to lower their tax bill; 1.14M YouTube subscribers (vidIQ) | He posts tax strategy every week, which makes him the clearest fit on this list for tax-filing, bookkeeping and landlord-banking apps. A rental-banking fintech (Baselane) appears among his detected sponsors | "How to Get into the 10% Tax Bracket Legally", 2026-10-23 (YouTube, via SponsorRadar) |
| Mark J. Kohler · YouTube @markjkohler | Small-business owners and real-estate investors; 617K YouTube subscribers (vidIQ) | He explains entity setup and tax rules several times a week, which suits accounting, bookkeeping and small-business banking apps. Accounting software (Xero) appears among his detected sponsors | "How $400K in Rental Losses Offset Business Income", 2026-10-22 (YouTube, via SponsorRadar) |
| Vivian Tu (Networth and Chill) · YouTube @yourrichbff · Apple Podcasts | Gen Z and young professionals; 1.29M YouTube subscribers (vidIQ) | She reaches first-job, first-account users at scale. Use her for awareness, not for a budgeting or money-coach app: she promotes her own app, Ask Dolly | "The Unwritten Job Interview Rules Gen Z Needs to Know", 2026-10-14 |
| Student Loan Planner (Travis Hornsby) · Apple Podcasts | Borrowers with student debt, many of them professionals; #57 in Apple Podcasts US Careers | Its listeners are making repayment and credit decisions now, so refinancing, credit-score and repayment tools fit. The 2026-10-27 credit-score episode shows the topic is already on the show | "Weird Student Loan Notices, IBR Payment Caps, and PSLF Buyback Delays", 2026-10-20 |
Audience figures reflect the November 2026 research window. Choose by audience fit and expected views as well as reach.
How to choose a creator
Choose for audience match, recent relevant work and the ability to show your product completing a real task. Check expected views, rates and usage rights before booking.
Which segment fits your product?
Budgeting and debt payoff
Caleb Hammer, The Ramsey Show and Ramit Sethi. All three talk about real households in trouble, which suits budgeting, debt payoff and bill tools. Choose by tone: Caleb Hammer is confrontational, Ramsey follows a fixed plan, and Ramit Sethi talks to couples about values and spending. Budgeting apps should not book The Ramsey Show, because it promotes its own EveryDollar app.
Credit-building
Caleb Hammer and Student Loan Planner. Caleb Hammer's audits already carry a credit-building sponsor (Kikoff), so his audience is used to that product type. Student Loan Planner ran a credit-score episode on 2026-10-27 and talks to borrowers whose credit decides their refinancing rate. Start a credit-building app with these two.
Saving and side income
Tori Dunlap, Brown Ambition and Nick Loper. Tori Dunlap and Brown Ambition cover earning more and saving, mostly for women. Nick Loper interviews people running side businesses, and his recurring sponsors include a budgeting app and an invoicing tool.
Tax
Karlton Dennis and Mark J. Kohler. Both post tax and business-structure explainers every week on YouTube, aimed at business owners and landlords. Karlton Dennis fits tax-filing and landlord-banking apps; Mark J. Kohler fits accounting and small-business banking apps. Tax claims ("save $X") need the same counsel sign-off as any other regulated claim.
Students and young adults
Vivian Tu and Student Loan Planner. Vivian Tu's recent episodes are aimed at Gen Z job seekers, and she promotes her own money app. Student Loan Planner is for people repaying student debt, many of them past college age.
Questions for your compliance team before you brief
Our compliance review guide covers them in detail. On every Kiko program, Kiko checks every script and ad against the FTC Endorsement Guides and platform branded-content rules, and regulated claims (finance, health) are signed off by the client's counsel before posting.
- Which claims about rates, fees, credit scores or "bank" status can the creator make, and who signs off?
- Does your partner bank need to approve creator scripts?
- If the creator gets paid per signup, how is that disclosed? See affiliate programs.
- Does any part of the product cross into investing? If so, also read the finfluencer compliance guide.
A few large creators or a cohort of smaller ones?
| If you need… | Lean toward | Why | Watch out for |
|---|---|---|---|
| Funded accounts fast | Shows that already run coded or linked fintech offers | Listeners are used to acting on host offers | Claims review on every read; offer terms must match the app |
| Trust on a sensitive product (credit, debt) | Hosts known for advice, not entertainment | The recommendation carries more weight | Fewer slots; some won't read competing products |
| Reach among young adults | Gen Z-focused creators | Matches first-account and first-card users | Many already promote their own tools |
Kiko's view for fintech: start with a cohort, not one big name. Book 8–12 creators in the first 30 days, mixing one or two large shows with mid-size creators in your exact segment, then scale the ones that convert to funded accounts. A single large read can't tell you which message works, and fintech claims review makes each extra read slower.
Run a creator campaign with Kiko
Kiko builds a custom shortlist for your fintech product, checks each creator against a written record, and runs outreach, briefs, the review steps your compliance team sets, rights and reporting. See creator sourcing. After signup, onboarding decides whether creator traffic turns into funded accounts: see reducing KYC drop-off. To scale winning creator videos as ads, see scaling Meta and TikTok for fintech.
You don't need us if:
- You already know the creators your users follow and have compliance and partnerships staff in-house.
- You mainly want affiliate volume. An affiliate network does that more cheaply.
Frequently asked questions
Which personal-finance podcasts do fintech apps sponsor?
In our 90-day podcast sample, Monarch appeared on Ramit Sethi's and Nick Loper's shows, Kikoff on Caleb Hammer's, and Facet on Ramit Sethi's. These come from episode descriptions, not audio.
Should a budgeting app sponsor a creator who has their own app?
No, not without an exclusivity agreement. The Ramsey Show and Vivian Tu both promote their own money apps in their descriptions.
Which creators fit a tax app?
Karlton Dennis (1.14M YouTube subscribers) and Mark J. Kohler (617K). Both post tax explainers every week, and both already carry fintech or accounting sponsors.
Does this list include investing creators?
No. Investing creators are on our investing app creators list, because securities rules change what they can say.
What do these creators charge?
We don't publish per-creator rates. Public benchmarks by channel size are on creator rates for consumer fintech. Kiko does not mark up creator fees or media.
Does Kiko help fintech apps find creators?
Yes, through its creator sourcing service. Inclusion on this page is not paid and does not mean a creator works with Kiko.
Sources
- Creator feeds: Financial Audit, The Ramsey Show, Money For Couples with Ramit Sethi, Financial Feminist, Brown Ambition, The Side Hustle Show, Networth and Chill, Student Loan Planner
- YouTube channels: @CalebHammer, @theramseyshowepisodes, @ramitsethi, @yourrichbff, @karltondennis, @markjkohler
- Every episode linked in the evidence table
- Audience figures: vidIQ, Rephonic, SponsorRadar
- FTC, Disclosures 101 for Social Media Influencers
This page explains common practice and isn't legal advice.
More creator lists: all Kiko creator lists · all Kiko resources
Send us your product and user profile, and we'll build a custom shortlist. → Creator sourcing · Book a call