United States
Heyberna is a Filipino-American personal finance creator based in the United States who has carved out a distinctive corner of the financial education space by deliberately addressing audiences that mainstream money media has historically overlooked.
Total Followers -0.2%
122K
Across Instagram, TikTok
Primary Platform
YouTube
107K followers · 88% of audience
Engagement
4.6%
vs. 1.5% category median
Sponsorship Tier
Mid
Est. $2.1K–$5.4K / IG post
| Window | TikTok | Combined | ||
|---|---|---|---|---|
| Last 7 days | +0 +0.0% | +0 +0.0% | +0 +0.0% | +0 |
| Last 30 days | -214 -0.2% | +0 +0.0% | +0 +0.0% | -214 |
| Last 90 days | -761 -0.7% | +0 +0.0% | +0 +0.0% | -761 |
| Last 365 days | -761 -0.7% | +0 +0.0% | +0 +0.0% | -761 |
Daily follower snapshots from CreatorDB's longitudinal index.
| Brand | Type | Platform | Date | Performance vs. baseline |
|---|---|---|---|---|
| Monarch Money Fintech / Personal Finance | Long-term partnership | Long-term | — | |
| New Dimes Financial Education / Community | Co-founder | Long-term | — | |
| Money Out Loud (book) Publishing / Personal Finance | Founder / owned brand | Long-term | — |
Heyberna is a Filipino-American personal finance creator based in the United States who has carved out a distinctive corner of the financial education space by deliberately addressing audiences that mainstream money media has historically overlooked. Her own framing — that the money world is "hella male, pale, and stale" — doubles as both a critique and a mission statement, shaping content that covers grocery inflation, cost-of-living pressures, buy-now-pay-later dynamics, and first-generation financial experience with a tone that is conversational rather than lecture-heavy. She self-describes as a "financial edu-tainer," a label that captures how she balances substantive financial literacy with an accessible, personality-driven delivery. Beyond content creation, she has extended her platform into authorship with MONEY OUT LOUD and into institutional roles, serving as a creative at budgeting app Monarch Money and co-founding New Dimes, a community-oriented financial platform.
Her audience skews heavily female — roughly two-thirds of followers — and clusters in the 25–44 age range, a demographic actively navigating real financial decisions around housing, debt, and everyday affordability rather than aspirational wealth-building. Engagement on Instagram runs well above category norms, suggesting a community that actively responds rather than passively scrolls, which aligns with her justice-inflected framing around topics like financial equity and cost-of-living relief. The Monarch Money association positions her within a growing segment of finance creators who bridge editorial independence with fintech partnerships, giving brands a credible, community-trusted entry point into underrepresented financial audiences. As economic pressure topics continue to dominate public conversation, her positioning at the intersection of personal finance, cultural identity, and consumer advocacy gives her durable relevance with both mission-aligned sponsors and mainstream financial brands seeking more diverse audience access.
Heyberna reaches an audience concentrated in United States primarily through YouTube, and is best activated via Instagram Reels and Stories, TikTok branded content. Their sponsorship history skews toward Fintech / Personal Finance, Financial Education / Community, Publishing / Personal Finance, a clear signal of fit for brands in those categories. Demonstrated partners include Monarch Money and New Dimes. Engagement on YouTube runs around 4.6%, 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 Fintech / Personal Finance and related categories, Heyberna offers a defined, creative-fit audience rather than broad, low-intent impressions.
Benchmark estimates for a creator at Heyberna's tier (Mid, 122K combined followers, United States). Pulled from CreatorDB's category benchmarks.
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MONEY OUT LOUD is a personal finance book authored by Heyberna, designed to make money topics accessible to people who have historically been excluded from mainstream financial conversations. The book extends her platform beyond social media into a longer-form resource, particularly aimed at women, first-generation Americans, and communities of color. It sits at the center of her brand as both a creator and financial advocate.
Yes, Heyberna is a co-founder of New Dimes, a financial platform and community she built alongside her content work. It reflects her core mission of making money conversations more inclusive and accessible to people who feel left out of traditional personal finance spaces. New Dimes operates as part of a broader ecosystem of projects she's built around financial equity.
Heyberna holds a Creative role at Monarch Money, a personal budgeting and financial management app. Her work there aligns directly with her content niche — helping translate money tools for audiences who might otherwise find personal finance products intimidating or irrelevant to their lives. It is one of her named brand affiliations alongside her own owned projects.
Yes, Heyberna identifies as Filipino American — she displays the Philippine flag in her TikTok bio and her content regularly speaks to first-generation and immigrant experiences with money. This background is central to how she frames financial equity, and she frequently uses the firstgen hashtag to signal that her content speaks directly to that experience. It shapes her perspective as a voice that mainstream personal finance media rarely represents.
Heyberna uses this phrase from her Instagram bio to describe the reality that personal finance media and the financial industry have long been dominated by white men, leaving women and people of color with fewer relatable voices and less tailored advice. Her content is positioned as a direct alternative — accessible, culturally aware, and built around communities that traditional financial content tends to ignore. It is the foundation of her financial justice angle and explains why her audience skews heavily female.
Heyberna coined the term financial edutainer — a blend of educator and entertainer — to describe how she approaches money content without the dry, lecture-style tone that turns most people off. She mixes humor, cultural relatability, and real-world examples into her financial explainers to reach audiences who have tuned out conventional personal finance advice. The label is central to her brand identity on TikTok and Instagram.
Yes, grocery inflation, everyday affordability, and the cost of living crisis are consistent themes across Heyberna's content. She regularly frames personal finance around the real household pressures her audience faces, using topics like buy now pay later pitfalls and rising grocery costs rather than abstract wealth-building strategies. This grounded approach is a big part of why her engagement runs well above the category average.
Girl math is a viral internet concept that humorously rationalizes spending decisions — for example, treating a purchase as free because it was on sale. Heyberna engages with trends like this as entry points into deeper, more substantive financial education, using the cultural moment to talk about real money psychology and behavior. It fits her broader strategy of meeting her audience where they are rather than leading with traditional finance jargon.
As of mid-2026, Heyberna has not posted on TikTok in over a year, making Instagram her primary active platform. Her TikTok account still exists with a small following, but content output there has effectively paused. Anyone looking for her current work should follow her on Instagram or YouTube.
Heyberna's audience is majority female and falls largely in the millennial and older Gen Z range, with most followers based in the United States. Her content is specifically crafted for people who feel underserved by mainstream personal finance — women, first-generation Americans, and communities of color navigating financial systems that were not built with them in mind. That focus on financial justice gives her community a strong sense of shared identity, which reflects in her above-average engagement.
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 →
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@heyberna · YouTube
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