Mike MilliganFounder and CEO, 1.oak Financial · Founder and CEO, 1.oak Financial

YouTube, Finfluencers & Your Money: Who Should You Actually Trust?

28 Aug 2026 · 1 min

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In this audio monologue, Mike Milligan explains how YouTube has become the go‑to source for how‑to knowledge in the United States, extending beyond DIY home repairs and golf tips to personal finance topics such as opening a Roth IRA, building a retirement plan, and assessing insurance needs. He cites his partnership with golfer Padraig Harrington and references the One of a Kind Financial Show Daily as examples of financial content creators on the platform. Milligan outlines three core reasons people turn to YouTube for learning: it’s free, it’s visual (allowing viewers to watch actions performed), and it feels personal because viewers can see a human face rather than reading a document. He notes the current format is audio‑only but suggests a visual version could be added in the future.

Chapters

Today, 21 years later, YouTube is where most Americans go for how-to knowledge. How to fix a sink, how to swing a golf club. Shout out to Padraig Harrington, my partner from last year's Charles Schwab Pro-Am. He's got a great channel on that. Also, how to open a Roth IRA and more and more to include how to build a retirement plan. Do I have enough insurance? To even this, the One of a Kind Financial Show Daily. Here's why people come to YouTube for knowledge. There's 3 main reasons. Number 1, it's free. Number 2, it's visual. Sometimes you can watch people doing a thing, not exactly how we operate on this show. This is audio only. Maybe one day we'll get there. And number 3, it feels personal. You can look at a human face, not reading a document.