If you haven’t heard of the FinTok Revolution, it’s in full swing — and not just among the most tech-savvy generations. All generations, including Gen Z, millennials, Gen X and boomers are riding the FinTok train. According to a Talker Research survey, conducted on behalf of the fintech Chime, 68% said doing so has improved their financial situation at home — and 53% reported they plan to use FinTok more this year than last.
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Here’s how every generation is gaining knowledge from the financial side of TikTok.
Be aware, though, that TikTok also has plenty of bad advice: Find out why it’s the riskiest social media platform for financial advice.
Although younger generations are taking advantage of the information on FinTok more rapidly, boomers aren’t slackers. According to the survey, Gen Z gained 49 pieces of financial advice on average, while millennials gained 44. Boomers picked up an average of 32 pieces of advice from the financial arm of TikTok.
A far as the most-searched terms on FinTok in 2024, the top five were as follows:
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Before FinTok, survey respondents said they usually got their financial advice from family members (47%) or friends (40%). For those who preferred to get their information online, 40% got it from other social media sites, while 37% leaned on financial websites or blog posts.
Additionally, 27% of Gen Z learned about finances in school or an educational setting — over three times more than Gen X or baby boomers.
However, 50% said FinTok’s financial information is superior to other platforms they’ve used.
FinTok users tried different trends in 2024 with an average of 44% being successful. Success was defined as seeing benefits (46%), learning something new (36%) or feeling more financially confident (33%).
The top trend was side hustling at 38%, and one quarter of users tried the “pay off debt trend.” Other popular trends included passive income (25%), crypto investing (20%) and cash stuffing (17%). Twenty percent of survey respondents also reported trying the no-spend challenge, and 16% opted for the 100 envelope method.
