Cover photo for The Wealthy Idiots reaction video: Are YouTubers the problem?

Wealthy Idiot Reacts: Growing Problem With Personal Finance YouTuber “Influencers” | How Money Works



A lot of people are wondering the internet looking for people who are willing to part with their money. Others, are trying to build a community of smart, well rounded personal financiers. How do we tell the difference?

AJ reacts to a video made by “How Money Works” and their critiques of personal finance YouTubers. Are they problematic, or helpful?


  1. Original Video –
  2. Graham Stephan –
  3. Meet Kevin –


  • AJ Sheff

    After attempting college, AJ joined the Marine Corps. When he left active duty, he worked in retail for a few years before returning to college. Several years later AJ was awarded his Bachelor in Science in Computer Science. Soon after, AJ began working in the tech industry as a Junior Developer. AJ continues to work in tech, however, he began to cultivate a passion for personal finance. For AJ, the concepts began to click and he felt a need to help others understand how to be financially free. If AJ can do it, any Idiot can.


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