United States
Financewithrachael is a Los Angeles-based content creator and USC Marshall School of Business student who built a following across TikTok and Instagram by weaving personal finance education into a broader college and lifestyle narrative.
Total Followers -0.4%
242K
Across Instagram, TikTok
Primary Platform
YouTube
21K followers · 9% of audience
Engagement
16.6%
vs. 1.5% category median
Sponsorship Tier
Mid
Est. $535–$1.5K / IG post
| Window | TikTok | Combined | ||
|---|---|---|---|---|
| Last 7 days | +0 +0.0% | -110 -0.1% | +0 +0.0% | -110 |
| Last 30 days | -208 -1.0% | -684 -0.3% | +0 +0.0% | -892 |
| Last 90 days | +0 +0.0% | -2164 -1.0% | +0 +0.0% | -2164 |
| Last 365 days | +0 +0.0% | -2164 -1.0% | +0 +0.0% | -2164 |
Daily follower snapshots from CreatorDB's longitudinal index.
Financewithrachael is a Los Angeles-based content creator and USC Marshall School of Business student who built a following across TikTok and Instagram by weaving personal finance education into a broader college and lifestyle narrative. Her content targets young adults at the beginning of their financial journeys — covering beginner investing, no-annual-fee credit cards, stock portfolio transparency, and wealth-building fundamentals — while grounding everything in a framework of Christian faith, self-discipline, and ambition. What distinguishes her approach is the integration of spiritual identity with financial pragmatism, a combination that resonates particularly well with Gen Z audiences navigating both money and meaning simultaneously. Her engagement rates run well above category norms on both platforms, signaling an audience that actively participates rather than passively scrolls.
Her audience breaks evenly between men and women — an unusual balance for personal finance creators, who often skew heavily toward one gender — suggesting her lifestyle and self-improvement content broadens the top of her funnel beyond the finance-only viewer. The hashtag mix spanning #collegelife, #growthmindset, #christian, and #financialliteracy reflects a multi-lane positioning that appeals to sponsors in fintech, student-focused financial products, and values-aligned consumer brands. With her USC graduation approaching in 2028 and her foundational audience established during her undergraduate years, Rachael is well-placed to deepen her authority in the personal finance space as her own financial journey matures — potentially expanding into content around early-career wealth building, which aligns naturally with the audience that has grown alongside her.
Financewithrachael reaches an audience concentrated in United States primarily through YouTube, and is best activated via Instagram Reels and Stories, TikTok branded content. As a finance creator they map naturally to brands targeting that space. With no brand deals logged yet, they read as an available, category-aligned partner for advertisers building early presence in the space. Engagement on YouTube runs around 16.6%, which points to an audience better suited to category-relevant, mid-funnel campaigns than to pure-reach buys. The channel's mix of Instagram Reels and Stories and TikTok branded content lets a sponsor choose between short awareness placements and longer, more detailed integrations. Because the audience follows finance content rather than arriving through untargeted reach, sponsorships that match the channel's subject matter tend to convert more efficiently than broad placements. A consistent, on-topic posting focus gives sponsors a predictable, brand-safe environment, lowering placement risk compared with broad, general-interest channels. Campaigns here are best measured on qualified engagement and consideration within the niche rather than on raw impression volume. For United States-focused brands in finance and related categories, Financewithrachael offers a defined, creative-fit audience rather than broad, low-intent impressions.
Benchmark estimates for a creator at Financewithrachael's tier (Mid, 242K combined followers, United States). Pulled from CreatorDB's category benchmarks.
The CreatorDB Agency runs end-to-end influencer campaigns globally — shortlisting, outreach, contracting, and performance reporting. Talk to our team about building a campaign around creators in this niche.
Yes — sharing access to her entire stock portfolio is one of her signature content hooks, advertised directly in her TikTok bio. This level of transparency about her personal investments sets her apart from finance creators who stick to theory without showing their own money at work.
Yes — both her Instagram and TikTok bios reference USC Marshall, the business school at the University of Southern California in Los Angeles. She is part of the class of 2028, meaning she is actively building her personal finance brand while completing her undergraduate degree.
She is listed as USC class of 2028, making her one of the rare finance creators posting as a current college student rather than someone giving retrospective advice. This gives her content an on-the-ground perspective that resonates with students navigating money decisions right now.
Yes — she describes herself as "God's servant" across her platforms and explicitly lists faith alongside finance and ambition as central pillars of her brand. This positions her distinctly within the personal finance creator space, speaking to an audience that wants wealth-building grounded in Christian values.
Her content specifically covers credit cards that carry no annual fee and require no existing credit score to apply, making them accessible entry points for students building credit from zero. She frames these as practical first moves rather than abstract financial concepts, which fits her beginner-focused approach.
She targets people completely new to investing — particularly college students — using content tagged around financial literacy, building wealth, and beginner investing fundamentals. Her angle ties investment habits to broader self-growth goals rather than treating finance as an isolated topic.
This phrase reflects her recurring growth-mindset message: she challenges her audience to pursue their largest imaginable dreams without self-imposed limits. It sits at the intersection of her motivational and personal finance content, framing financial discipline as a tool for unlocking ambition rather than just managing money.
Her content spans personal finance, college student life, productivity, self-growth, and Christian faith — she describes it as "life with faith, love, ambition, and excellence." Finance is the anchor of her brand, but mindset, campus lifestyle, and motivational content run consistently alongside it.
Yes — she lists LA in her TikTok bio and attends USC, which is located in Los Angeles. Her content reflects the reality of being a college student in a high cost-of-living city, which adds practical context to her money advice for younger audiences in similar situations.
TikTok is where she built her largest audience, with well over 200,000 followers there, while her Instagram serves a smaller but notably high-engagement community. YouTube is listed as her primary platform on creator directories, suggesting she is also building out longer-form content beyond short-video formats.
Stats (followers, engagement, audience demographics, growth) are pulled live from the CreatorDB API covering YouTube, Instagram and TikTok. Bio and FAQ content is AI-assisted; news items are sourced from cited public press at generation time. Read the full methodology →
If you'd like to update, correct, or remove this profile, get in touch and we'll handle it within 5 business days. We don't publish private data — every stat shown comes from your public platform profiles.
@financewithrachael · YouTube
+0 new followers
Preparing fresh data…
This usually takes 15–25 seconds.