# TikTok Content Ideas: 7-Day Plan

**NICHE:**
Personal Finance / Money Tips

**ACCOUNT STYLE:**
Educational with personality

**CONTENT GOALS:**
Grow followers, establish authority, drive newsletter signups

---

## DAY 1: MONDAY - EDUCATIONAL BANGER

### Idea 1: The Money Mistake Video

**Format:** Talking Head + Text Overlay

**Hook Options:**
- "Stop satisfying your credit card debt immediately"
- "This money advice is keeping you broke"
- "I was mass until I stopped doing this"

**Content Outline:**
1. Hook: Bold contrarian statement
2. Explain the common mistake people make
3. Why it seems like good advice but is not
4. What to do instead
5. CTA: Follow for more money tips

**Script Starter:**
"Everyone says pay off your credit card debt first. Here is why that advice might be keeping you broke..."

**Effort Level:** Low (just you talking)
**Evergreen:** Yes - film anytime
**Viral Potential:** High - contrarian takes perform well

---

### Idea 2: The 50/30/20 Myth

**Format:** Screen Record + Voiceover

**Hook Options:**
- "The 50/30/20 budget rule is outdated"
- "Why I stopped following this popular budget advice"
- "This budgeting rule does not work in 2024"

**Content Outline:**
1. Show the 50/30/20 rule
2. Explain why it was made for different times
3. Show realistic numbers today
4. Share your alternative approach
5. CTA: Save this for later

**Effort Level:** Medium (need screen recording)
**Evergreen:** Yes
**Viral Potential:** High - challenges popular belief

---

## DAY 2: TUESDAY - STORYTIME

### Idea 3: Money Mistake Storytime

**Format:** Storytime (talking to camera)

**Hook Options:**
- "The mass money mistake I made at 22"
- "I lost $5,000 because nobody told me this"
- "Story time: How I almost ruined my credit score"

**Content Outline:**
1. Hook: Tease the mistake
2. Set the scene (age, situation)
3. What happened
4. The consequences
5. What I learned
6. Advice so you do not make the same mistake

**Script Starter:**
"So when I was 22, I got my first real paycheck and made the worst financial decision of my life..."

**Effort Level:** Low
**Evergreen:** Yes
**Viral Potential:** Very High - storytimes always perform

---

### Idea 4: How I Paid Off X Debt

**Format:** Transformation/Journey

**Hook Options:**
- "How I paid off $30K in student loans in 18 months"
- "From $30K in debt to debt-free: here is how"
- "The exact strategy I used to pay off my loans fast"

**Content Outline:**
1. Before: The debt situation
2. The moment I decided to change
3. The strategy (2-3 key steps)
4. The results
5. CTA: Comment your debt payoff goal

**Effort Level:** Low
**Evergreen:** Yes
**Viral Potential:** High - transformation content performs well

---

## DAY 3: WEDNESDAY - QUICK TIPS

### Idea 5: 3 Things to Stop Buying

**Format:** List Video with B-Roll or Graphics

**Hook Options:**
- "3 things I stopped buying to save $500/month"
- "Rich people never buy these 3 things"
- "Stop wasting money on these immediately"

**Content Outline:**
1. Hook
2. Thing 1 + why
3. Thing 2 + why
4. Thing 3 + why
5. What I spend on instead
6. CTA: Follow for more

**Effort Level:** Low-Medium
**Evergreen:** Yes
**Viral Potential:** High - list content is shareable

---

### Idea 6: The Latte Math Reality Check

**Format:** Text on Screen + Talking

**Hook Options:**
- "The real reason skipping lattes will not make you rich"
- "Stop blaming your coffee for being broke"
- "Unpopular opinion: Buy the latte"

**Content Outline:**
1. Hook: Challenge the latte advice
2. Show the actual math ($5 x 365 = $1,825)
3. Compare to actual wealth builders
4. What actually moves the needle
5. CTA: Share if you agree

**Effort Level:** Low
**Evergreen:** Yes
**Viral Potential:** Very High - hot take content

---

## DAY 4: THURSDAY - TRENDING FORMAT

### Idea 7: POV Money Edition

**Format:** POV Trend

**Hook Options:**
- "POV: You finally understood compound interest"
- "POV: You check your savings account after 1 year of actually budgeting"
- "POV: You paid yourself first for 6 months"

**Content Outline:**
1. Text overlay with POV setup
2. Show the positive result
3. Optional: Show the journey
4. Trending sound

**Effort Level:** Low
**Evergreen:** No - trend dependent
**Viral Potential:** High if trend is current

---

### Idea 8: This or That Money Edition

**Format:** Interactive/Engagement

**Hook Options:**
- "Money edition: Which would you choose?"
- "Financial hot takes: This or That"
- "Let me judge your money priorities"

**Content Outline:**
1. Present choice 1 vs choice 2
2. Explain your pick
3. Ask viewers to comment their choice
4. Create debate in comments

**Example Choices:**
- Pay off debt OR Invest while in debt
- Rent cheap OR Buy expensive
- Side hustle OR Ask for a raise

**Effort Level:** Low
**Evergreen:** Yes (but format is trendy)
**Viral Potential:** High - drives comments

---

## DAY 5: FRIDAY - BEHIND THE SCENES

### Idea 9: Day in My Financial Life

**Format:** Day in the Life / Vlog Style

**Hook Options:**
- "A realistic day of managing my money"
- "How I actually budget day-to-day"
- "Money habits I do every single day"

**Content Outline:**
1. Morning: Check accounts/apps
2. Midday: A purchase decision
3. Evening: Quick money task
4. Show real numbers if comfortable
5. CTA: What money habits do you have?

**Effort Level:** Medium (filming throughout day)
**Evergreen:** Yes
**Viral Potential:** Medium - builds connection

---

### Idea 10: My Actual Budget Breakdown

**Format:** Screen Share / Walkthrough

**Hook Options:**
- "Exposing my real monthly budget"
- "How I budget on a $X salary"
- "Real numbers: where my money actually goes"

**Content Outline:**
1. Hook: Promise transparency
2. Show income
3. Walk through each category
4. Show savings/investing %
5. Lessons learned
6. CTA: Share your biggest budget category

**Effort Level:** Medium
**Evergreen:** Update quarterly
**Viral Potential:** High - people love real numbers

---

## DAY 6: SATURDAY - FUN/RELATABLE

### Idea 11: Money Personality Types

**Format:** Comedy / Relatable

**Hook Options:**
- "The 4 types of people when the bill comes"
- "Which money personality are you?"
- "Tag yourself: spending edition"

**Content Outline:**
1. Type 1: The Calculator (splits everything)
2. Type 2: The Generous One (always pays)
3. Type 3: The Forgetter (oops no wallet)
4. Type 4: The Negotiator (suggests Venmo)
5. CTA: Comment which one you are

**Effort Level:** Low-Medium
**Evergreen:** Yes
**Viral Potential:** Very High - relatable comedy

---

### Idea 12: Things That Feel Illegal But Are Not

**Format:** Trend Format

**Hook Options:**
- "Money things that feel illegal but are not"
- "Free money hacks that feel like cheating"
- "Legal ways to get free money"

**Content Outline:**
1. Credit card sign up bonuses
2. Bank account bonuses
3. Price adjustment requests
4. Employer 401k match
5. CTA: Save this

**Effort Level:** Low
**Evergreen:** Yes
**Viral Potential:** Very High - this format always works

---

## DAY 7: SUNDAY - VALUE BOMB

### Idea 13: Complete Beginner Guide

**Format:** Tutorial / Educational

**Hook Options:**
- "If I had to start over with $0, here is what I would do"
- "The complete money guide for beginners"
- "Watch this before you do anything with your money"

**Content Outline:**
1. Step 1: Emergency fund basics
2. Step 2: Debt strategy
3. Step 3: Start investing
4. Step 4: Increase income
5. Step 5: Automate everything
6. CTA: Save and follow for more

**Effort Level:** Medium
**Evergreen:** Yes - high save potential
**Viral Potential:** High - comprehensive guides get saved

---

### Idea 14: Answering Your Money Questions

**Format:** Q&A Response

**Hook Options:**
- "Answering your money questions"
- "You asked, I answered: money edition"
- "Replying to your comments about finances"

**Content Outline:**
1. Screenshot comment/question
2. Your detailed answer
3. Repeat for 2-3 questions
4. CTA: Drop more questions below

**Effort Level:** Low
**Evergreen:** Yes
**Viral Potential:** Medium - but great for engagement

---

## CONTENT FORMAT GUIDE

| Format | Best For | Effort | Viral Potential |
|--------|----------|--------|----------------|
| Talking Head | Hot takes, tips, stories | Low | High |
| Storytime | Personal experiences | Low | Very High |
| Screen Record | Tutorials, walkthroughs | Medium | Medium |
| POV | Trends, relatable moments | Low | High (if trending) |
| List Video | Tips, mistakes, hacks | Low-Medium | High |
| Day in the Life | Connection building | Medium-High | Medium |
| Duet/Stitch | Engagement, commentary | Low | High |
| Tutorial | Education, authority | Medium | Medium |
| Comedy/Skit | Entertainment, shares | Medium-High | Very High |

---

## CONTENT MIX RECOMMENDATION

| Content Type | Frequency | Purpose |
|--------------|-----------|--------|
| Educational | 3x per week | Authority building |
| Storytime/Personal | 1-2x per week | Connection |
| Trending Format | 1-2x per week | Reach |
| Relatable/Funny | 1x per week | Shareability |
| Behind the Scenes | 1x per week | Trust |

---

## HOOK FORMULAS THAT WORK

| Formula | Example |
|---------|--------|
| Contrarian | Stop doing X immediately |
| Curiosity Gap | The reason why X is actually Y |
| Number + Promise | 3 ways to X without Y |
| Story Tease | The time I lost $X because... |
| Direct Challenge | You are doing X wrong |
| Transformation | How I went from X to Y |
| List Tease | Things that X but Y |
| Question | Why does nobody talk about X? |

---

## BATCH FILMING STRATEGY

| Effort Level | Batch Together | Time Needed |
|--------------|----------------|------------|
| Low (talking head) | 5-7 videos | 1-2 hours |
| Medium (some B-roll) | 3-4 videos | 2-3 hours |
| High (full production) | 1-2 videos | 3-4 hours |

**Pro Tip:** Film all low-effort content in one session. Same outfit, same setup, different topics.

---

## EVERGREEN VS TRENDING BALANCE

| Type | Percentage | Why |
|------|-----------|-----|
| Evergreen | 70% | Always relevant, can post anytime |
| Trend-Adaptable | 20% | Boost reach when trends hit |
| Pure Trending | 10% | Quick wins but short lifespan |

---

## CONTENT IDEA BANK BY CATEGORY

### High Performers (Film First):
- Storytime videos
- Contrarian hot takes
- Real numbers/transparency
- List videos (3 things, 5 ways)

### Consistent Performers:
- Quick tips
- Tutorial content
- POV/Trend formats
- Q&A responses

### Community Builders:
- Behind the scenes
- Day in the life
- Interactive (this or that)
- Personal journey updates