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Are you getting good advice from a financial influencer or just hype? Here's how to tell

Financial information is everywhere, and it's not all created equal. Here's how to tell the difference before you act on advice that wasn't made with your situation in mind.

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Q: I’ve been trying to get better with my money for the past year. I paid off one credit card, I’m working on a second, and I’ve started looking at where my money goes each month. A big part of what got me motivated was following a few accounts on Instagram and YouTube that talk about budgeting, paying off debt, and building savings. Some of it has been helpful. But lately I’ve been second-guessing myself. One creator I follow told me to cancel all my credit cards to get out of debt faster, and my bank told me that was actually going to hurt my credit score. Another one I watched had what seemed like a foolproof debt payoff strategy, but when I looked into it more, I realized they were selling a course for $400 to explain it. My boyfriend thinks I should just stop watching financial content altogether, but I did get some real value from it. How do I figure out what’s worth listening to? ~Dana

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