It's On!

@ThePlainBagel

Ай бұрын

I'll start my training

@Uberculosis

Ай бұрын

OMG this a beef I never new I needed. Ya'll better do this

@nickolaiorlov4732

Ай бұрын

im confident this is in reference to a rap battle

@zacharyrainey3175

Ай бұрын

I’ll contact SAP center in SF for dates

@TheNewCarryTrade

Ай бұрын

Go easy on him Patrick...

> "I like money" I was not prepared for this level of intimate knowledge of Mr. Bagel today.

@ThePlainBagel

Ай бұрын

I try my best to open up to my viewers

@Hultarna1

Ай бұрын

@@ThePlainBagel Truly the most transparent content creator of all time.

@Zekei1234

Ай бұрын

​@@ThePlainBagel opening up to your viewers... I respect the side hustle.

@davidmorrison7323

Ай бұрын

Mr. Bagel is this century’s Mr. Bogle. #Respect

@w花b

Ай бұрын

​@@Hultarna1 I wonder what his views are on the health benefits of drinking water

You've interviewed a Prime Minister and still consider this your side job. That is what true power looks like.

@muhcharona

Ай бұрын

Licking the boot isn't power.

@w花b

Ай бұрын

​@@muhcharonaGuess we should just ignore everyone otherwise that's boot licking. Let's all live in bunkers from now on.

@avery9689

26 күн бұрын

⁠@@muhcharona Interviewing an official isn’t “licking the boot.” That’s one of the stupidest things I’ve ever heard.

Thank you Richard for the shoutout! 🙏It was SUCH a pleasure to finally meet you in person! You were a HUGE inspiration for me to start my own channel and I don't think I've missed a video in 7 years! 🙌They say "never meet your heroes" but I've met Richard and I can attest that he's even nicer than he seems online! 😊

I say keep the full time work. Once creators go full time on KZread, it becomes a game of playing the algorithm and going for lowest common denominator content. It becomes about views rather than passing valuable info. So many channels put all their eggs in the KZread basket and have become unwatchable because they are controlled by the whims of KZread. This channel is very good because it isn't beholden to views above all else.

@YourBlackLocal

Ай бұрын

Only somewhat true… Most full time KZreadrs, make far more from Patreon and sponsors, which allows them to not rely so heavily on the algorithm.

@TheLegendaryHacker

Ай бұрын

@@YourBlackLocal Even with Patreon and sponsors you're still heavily reliant on the algorithm. Algorithm hates you = no recommendations, no recommendations = no views, no views = no sponsors

@apileofrocks5142

Ай бұрын

This is true as well, but those other sources of income do have their own games that creators have to play, however indirect it may be.

@hyndriandelmundo6855

Ай бұрын

Your type guy doing will life . thanks for honest financial review's or financial news out there we can trust.

@Lifeissorich.

Ай бұрын

Dave2D is also a guy with a huge following that still has his day job.

Part of why I watch you is because you have a full time job. It makes it feel like your content is much less bloated or sensationalized because you don’t need to rely solely on KZread for your income.

@natesamadhi33

Ай бұрын

Yup, and he's a certified professional that has real-life experience in this industry. He didn't just Google "Rich Dad Poor Dad" and suddenly become an "expert"

@Telopead

Ай бұрын

Yes, the industry experience and insight can only be obtained being inside the industry itself. A lot of KZreadr once made it full time, they left their main field and became a media professional, losing the essence of what made them interesting to listen to. The only great fulltimers left in this space i can think of are some of th science communicator in STEM field. The reason is, they’re well trained in science, and most importantly science papers are published in full. Not many fields keep you relevant like that. In most fields you can only know what you need to know, so leaving destroys your source of knowledge and information.

@warmaker223

Ай бұрын

Agree 🎉

@ensoniq2k

Ай бұрын

This and also it makes for more experience as well. Being surrounded by other professionals is way more helpful than having a channel and doing videos from your home.

@nekoeh123

Ай бұрын

Agree

One of the biggest draws for me to your channel is the lack of hype and bells-and-whistles. Plain Bagel! It's refreshing to listen to a professional who puts out content to inform and educate the public without an obvious ulterior motive. Keep up the great work!

@TheNewCarryTrade

Ай бұрын

well said...

Your 'refined' editing style is appreciated. I watch your videos to activate the knowledge part of my brain, not the flashy lights part of my brain.

@HansLasser

Ай бұрын

Nicely said!

@Seth9809

Ай бұрын

His old videos were great for use in schools though

Only piece of advice I can impart is: Increase your stamina, you are younger than Patrick Boyle so use that to your advantage. You can outwork him in the boxing ring.

@mirzaahmed6589

Ай бұрын

Patrick Boyle never fails to put me to sleep.

@TheNewCarryTrade

Ай бұрын

That's too funny...

@benoithudson7235

Ай бұрын

@@mirzaahmed6589 : an excellent strategy. Plus, you know he'll notice because he never blinks.

@dikbozo

Ай бұрын

and the expansion of your vocabulary and use a rhyming dictionary FFS. Patty has YEARS of rap experience.

@pomatolove

Ай бұрын

@@mirzaahmed6589lol i watch patrick boyle when I can’t sleep

I prefer KZreadrs like yourself who have a separate full time job and create videos because they’re genuinely passionate about the subject matter rather than trying to game the algorithm. Hope you keep at it!

@userunknown7675

Ай бұрын

Yeah, those that do it full time just rehash the same shit over and over again in a slightly different format they lower the quallity and (not or) go all clickbaity because they need the views to get enough income.

@josephlance9262

Ай бұрын

I agree with this.

Hey Richard, it was great to meet you at the Blossom event in Toronto. I wish we got more time to chat! I'll share my perspective, for what it's worth. When you do KZread full time, it does become more of a stressful grind. I was talking to Nate O'Brien, and he said one of the benefits of him leaving KZread was that he no longer has the feeling of always needing to make a video, or thinking about the next video. I don't know if you get this feeling, but when I left my job and became a KZreadr full time, I definitely felt/feel it. It makes it challenging to truly enjoy vacations, or even take a break from working. I always feel like I need to have another video in the works, and if I don't I get stressed. Additionally, as you mentioned, KZread income is extremely volatile, and you need to play the algorithm. This is why most KZreadrs (myself included), have other sources of income, like a Patreon, a book, or a course. The best KZread strategy is to actually not have your KZread income be your main source of income, because you have no control over it. I know that courses and books have a very bad reputation from KZreadrs, especially in finance, but I do understand why people make them. (I myself wrote a book and have a Patreon community.) I think you can do these things right, though, and truly add value by doing your best for the people who support you. Anyways, I think I just went on a tangent, but my point is it does turn into a full time job that is more risky, volatile, uncertain, and stressful. It's not for everyone, and it's not easy. You sound extremely happy and comfortable with your job, the amount you post (every 2 weeks), and your work/KZread/life balance. So I guess the question for me is, why change it? What are the benefits? What are the pros and cons? It's absolutely incredible what you have achieved and built while working a full time job, and it really seems to be working for you, and it's amazing to watch. I'm not trying to talk you out of it by any means. At the end of the day, you should do what's best for you. I am just sharing my perspective and how becoming a full time KZreadr has felt for me. Don't get me wrong, either. I love it. I love the chaos, making videos, building an audience, having a voice, getting invited to events, etc. There are A LOT of perks, and for me, those perks outweigh all the negatives, which is why I still do it. I have no idea if this will be useful, haha. But there's my perspective. I know you'll make the right choice for you :)

@ThePlainBagel

Ай бұрын

Thanks Daniel - likewise disappointed we didn't have more time to chat! That's definitely the perception I have of it; much like entrepreneurship, full-time KZread is high-risk high-reward, and I agree that outside monetization strategies can help and be done responsibly. I am very on board with Patreon-supported content, and I personally love when creators publish books when they aren't on getting rich quick, but yes the space does have a bad reputation. I suppose in a way being a full-time creator often means exploring the idea of being a creator in more than one avenue, which needs to be done with just as much care as your original content, and that's not something I'm crazy about pursuing. A lot comes down to personal preference - I'm glad you're able to thrive in that challenging environment!

it’s fine, we get it… 2x the income = 2x the lambos in the garage

@ThePlainBagel

Ай бұрын

Hidden fifth reason yes

@johnlynch1353

Ай бұрын

I mean every one has to have a side hustle and passive income to be rich obviously.

There is a reason why you are the only finance KZreadr that I watch. I don't want exciting editing, I don't want a guru, I don't want dozens of videos (I'm also a father) - I want a boring, professional, level-headed info.

@maganashaker167

Ай бұрын

A Bogle style finance KZreadr 😎

@nataliamartinkova

Ай бұрын

Try Ben Felix's Common Sense Investing. Another excellent finance channel.

@Mary-oc5ns

Ай бұрын

Exactly! Please keep your day job! ❤

Waiting to see Patty Boyle’s response to this spicy bagels callout

@chasecomfort3940

Ай бұрын

Really hoping that this becomes a new running gag between the channels

@andrewalexander272

Ай бұрын

Boyle's channel is rap channel covering latest and greatest news in it he doesn't see finance

@donvin999

Ай бұрын

My money is on Patrick.

@Seth9809

Ай бұрын

Look down

@dikbozo

Ай бұрын

He did reply. in the affirmative. Quote: 'It's on.'

I'm an accountant and work in finance. This is one of the few good and more importantly accurate channels. Keep it up. PS - I am also Canadian so sorry for the bias :P

Appreciate the "one video every 2 weeks" schedule. It's great in the "if everything is important to know, nothing is important to know" sense

cant wait for the beef between the biggest finance KZreadr and the biggest rap KZreadr to get physical

@miken3963

Ай бұрын

I'm all fired up for the upcoming diss track.

@paulperlock8949

Ай бұрын

Take all my money!

A lot of my favorite "content creators" are those that had "real" jobs first because they often seem to be less disconnected than those who became world famous when they were like 20. I appreciate that you don't have the added bias of needing the financial success on KZread, so I don't have to be as worried about you being sponsored by something shady like BetterHelp. Keep up the good work, both here and at your day job!

Your integrity is precisely why i watch. If you became a full time KZreadr, i would likely stop. Unless you managed to stay true to yourself and just share information without needing me to support your lifestyle. There lies the path to corruption, and loss of trust. I appreciate that you're a real person with a real job that shares real knowledge and facts without trying to grift me for personal gain. Also you make for great listening while i do physical labor, great voice and delivery. Thanks sir

My takeaway: “I like money” Got it Richard 👍 Love your work dude full or part time.

This is why we like you Richard - you've got your head screwed on right. Why chase someone else's perception of a "dream job" as a full time KZreadr when you've already got the actual dream setup: a fulfilling job, an enjoyable hobby that earns you some extra income, and work-life balance. Chasing the algorithm as a full time career leads to perverse incentives and outcomes. Audiences have seen it time and time again on this website. From my audience perspective, I think your content is so high quality, trustworthy, and respectable because you aren't so fully beholden to the algorithm. So keep doing life your way man. That's what drew me here.

Keep doing what feels right: what you're passionate about is always the right play (in life, in general).

The thing that brought me to your channel was the fact that you WEREN'T hocking this stock or that stock. You were bringing up issues and items as to WHY something happened or what was going on with the economy. It was several videos in before I even realized you were in Canada! Good for you! You do your country proud! I just like hearing someone talking finance - not 'buy my stock' like a lot of people do. As a neighbor to the south I look forward to someone who really has an outside view about what is going on down here and around the world and how it may effect me. Don't worry about graphs or flashy animation, Your delivery and the information you provide is enough for me. Best of luck in the future, and remember, nothing is more important than your family (Wife AND Kids).

I became a registered representative (S7 and 63) in the US after the pandemic. In my customer service role at a few companies the last few years I’ve always referred customers who want to truly learn more about finance to your channel. You do excellent work and I think the fact you work in the industry adds real credence to your videos, (and though I doubt you’d ever do it) and keeps you from saying some of the outlandish stuff that other finance content creators who don’t work in the industry get away with. You’re great, keep up the great work!

I love when creators produce content that is almost entirely a passion project. It’s whatever the opposite of a sell out is.

@gregtomamichel973

Ай бұрын

Agreed. I was just thinking that the creators of all my favourite channels have day jobs.

@feynstein1004

Ай бұрын

A buyin? 😀

Keep the path! Your Channel being free from conflicts of interest through sponsors has lent a lot of credibility and respect to your content that other channels can never replicate, even if it does mean less efficient monetization

The lack of flashy-ness is one of the reasons I like this channel. In pretty much every field right now, finance included, it feels like there's way too much emphasis on things like marketing, trend-chasing, appeals to emotion, style over substance, etc. Anything just to get clicks, basically. Your part-time information-focused videos have been a breath of fresh air from all that, so if you're happy with your current job, then I see no reason to change it. Keep up the good work!

I think there is no need to publish more. Just because your videos are well balanced and well researched and focusing on the topic at a deeper level, makes me cherish every time you post it. I tend to rewatch your videos twice as the Content you provide is just top notch.

Keep doing what you are doing! I agree that you being in the industry helps keep the quality high. Thanks for being rad

It’s always important to prioritize what’s important. The fact that you love your job and can do KZread as a hobby that makes you money as well is a great blessing! Your content is some of the most level headed on this platform, and I’m glad to see more of it

I love his intros, where he unexcitedly says "you´re watching the plain bagel". Always in a boring tone, almost like saying this isn´t were neither of us wanted to be this evening. Authenticity is the strength of this man!

“And… sell an e-book or something.” That sincere, honest dedication right there, where you’re not even sure what all the big-money fin-fluencers are doing, is why I have notifications set for this channel.

Richard, you do you. Keep your job. The channel is great, as it is. All the best.

The longer I am online, the more and more and more I truly appreciate and value the people - like yourself - who post from a perspective outside of internet culture, which has only gotten more insufferable, populist and click driven. What we NEED is anybody who can't "this is not financial advice" their way out of accountability for the blatant financial advice they give, or at least anybody who isn't comfortable with it. I would rather see fewer uploads to accommodate your other obligations than see more posts because you went full-time here.

A significant part of why I like this channel and watch every video for the last... 4? years. Is that you aren't chasing the trends. When you have something to say I know it's worth listening to. And that's valuable to me because I know there will never be a "chaff" episode.

I support whatever decision you make! Your channel has really helped me and I have enjoyed it the last 5 years I have been following you. You're the real deal and your day job keeps you grounded.

@asdfasdf-tp7fm

Ай бұрын

Real recognizes real

I do miss the animations, but the content is always solid 👍🏽

@xphantasmax5451

Ай бұрын

Yeah bring back the animation from time to time at least, it's helpful when the content is less discussion and more informative to show to others also

Cause not everyone needs to be a full time content creator, plus if its a great job, it keeps you up to date with things

Love this. People with FT jobs and then make KZread their full-time job inevitably comprise: they have to. Full-time job and then share/give back to the world on social media allows you to offer way more, makes you a legitimate/credible authority, makes you well-rounded, and you make the world a better place.

The reason I watch your channel is because you’ve earned my trust by working legitimately and using that knowledge to be real. Please keep it up and I’ll keep watching!

Being authentic and sincere is the main thing i like about you vs others, so keep doing what you're doing on your own terms man!

Thanks for making this video. I went full-time in 2021, and I agree with literally everything you said in this video. I sometimes consider going back to teaching, but I do worry that school districts would be wary to hire a "public figure" if that invites even the slightest bit of controversy.

Your ethic and integrity are the reason your are the only finance channel I am subscribed to. I will keep watching as long as you keep those!

Honeslty I like the simple editing style. And I do love creators who are professionals who do YT on the side, talking about the area of their expertise. It's an amazing niche, and each one of them is a treat to listen to (including the Plain Bagel!)

Great point about not knowing how long the KZread gravy train will keep running. Doing KZread full-time is a more precarious position than is often acknowledged.

@mmbarbon2955

Ай бұрын

Another youtuber i follow (non finance with 100,000+ viewers had to fight to get his channel back due to algorithm change. Took a week but he is back. Only problem is his views have dropped to a fraction of what it was before.

I'm glad you decided to make this video, it is a good way to let people know how you see and want to use your channel. I always found your channel to be informative and enjoy your presentation style and humor. Looking forward to your next topic, whatever it winds up being.

As a long term viewer, I would say you have 'matured' Richard. I think you have made the right decision; as someone who watched your videos as an amateur 30 year old investing personally for the first time, through to having being bitten by the bug so much I retrained, and now have been advising retail clients for 18 month. I've learnt so much from you, and ultimately, I trusted what you were saying because you didn't need to say something dramatic to sell me something or keep me coming back for more. Your understated style is a reflection of your impartiality, and I thank you for it. Much love from the UK. JB

Your channel makes 2 types of videos 1. This is how markets or a specific investing tool works 2. Market current events and industry accepted investing principles and analysis I love both styles. Seems like the how markets work videos require more animation. I would never want you to burn out doing the how markets work type of videos (that require more animation) to sacrifice the honest expert analysis of current speculative events in comparison to industry standards. Those are like a gold nugget in a cropfield for any investing content. So glad you are focusing on sustainability. Love the content and thanks for helping me and others invest consistently and efficiently

In the wake of many youtubers burning out, it's great that you don't want to get there. If you're holding yourself back from posting more then by all means try to, but otherwise keep doing what you're doing! A middle ground could be reducing the hours in your "day job" so you don't burn the candle at both ends as much, and have actual free time.

Been watching for a few years, I really appreciate the new style of videos. The point you made about your job working in concert with your KZread is especially true; having a finance professional that clearly knows what they're talking about make videos on whatever he wants is all the channel needs. It is refreshing to get a real, unbiased view on whatever topic without feeling like tacky edits or sketchy products are being shoved down my throat. Smart guy in front of a camera talking about stuff he wants to share is an unbeatable formula, love the channel and I always look forward to seeing your videos in my feed.

I love that you have a seperate full time job as the content you put out is more authentic and true to what you actually want to put out vs what you feel you should put out. I feel many people put out an overwhelming amount of content

My partner and I create KZread channels for Npos and associations. Building on solid knowledge and experience makes for great content, not just in finance. But as a CPA myself, there are few channels I watch - I like the plain bagel because I know you’re still in the mix with the day job. Adds credibility IMO. The internets need a lot more like you!! Also, appreciate the Canadian-ness. Hello from Banff.

Good for you Richard, things do change in the financial world and having a front-row seat (i.e. a job) is grounding and fodder for new material in the long run. Really appreciate your perspective and hope you have decades of content ahead of you (along with Mr. Boyle, another one of my favourites). Wishing you and your family all the best. Cheers.

Im glad you can achieve such balance in your life. Keep up the great work on the channel and dont ever feel bad with a slower release schedule, it really does make your content feel more like a treat instead of the absolute deluge that other full time creators get forced into.

I spent my 20s doing freelance and contract work. I started a US sole proprietorship business. I hustled like crazy through the pandemic. In my early 30s I went back to school. My reasoning being that if I was trying to learn to run a business and compete as an individual, I would likely have better success applying the same skills to a professional job at an established firm. I'm now working downtown in a major American city with a bunch of talented young people in their early 20s. Everyone has been patient and supportive. There is a lot to be said for working in a professional community. Having work-life balance. Having institutional resources. Having people to rely on when you need a break or have an emergency. You make great content. Your finance background also probably helps you realize that being successful at youtube is going to be based on luck even if you personally make great content. Your business background probably helps you understand that youtube is a revenue stream, not a career. Great video and I hope it has broader appeal for younger people who are looking for the quick cash and social cache that comes from doing youtube. It isn't a substitute for a real career.

and this is why I come to see you content over and over. A clear, no strings attached comment and jokes. My money is on the bagel!

Been watching your content for a while, and for context, I watch Perun videos. Literally PowerPoint presentation style videos. I think a lot of people listen to KZread more than they're watching. The style change hasn't bothered me at all. And I'm a dad who also works 76 hour weeks, I get it. I'm certain the content is more important to your type of viewers than the animation.

Reason number one seals it. If you find what you’re doing now fulfilling and satisfying, then keep doing that. Diversification is key, and you have that right now, and it sounds like your employer is pretty cool. If you close off your employment and go full time KZread, you’re upping your concentration risk. On top of that, the “hobby” aspect that makes KZread enjoyable will go away once your dependence on it grows. You’re your own person, of course, so not only do you get to do whatever makes you happy, but you might not go the same path as everyone else who’s taken the full time KZread route. This is good, because most channels that get big and have a big following on the way up because they’re genuine and interesting and their content is enjoyable, quickly become insufferable when they go KZread all the time, because they need more content, thus increasing the quantity of posts, which nearly guarantees a decline in quality, plus the habits you need to do to up your engagement and income levels to make the full time shift worth it. You do you my man, but from the sounds of your own words, you’re (currently anyways) sitting in the sweet spot. Both for you and your fan base.

I like that you are not full time on KZread and not forcing content. I really appreciate your unbiasedness and meticulousness. God bless you Brother!

You're smart, man. Putting all your eggs in one basket (YT especially) is such a risky idea. And like you said, you have a job you love with a boss who gets you, so there's just no reason to toss that aside to potentially end up doing *more* work in the end. Your channel is fantastic as is.

Put me in as another vote for you keeping your full-time job. What I like about this channel is the lack of having to play the algorithm, engage in clickbait, create filler content, and so on. It feels more authentic and accurate than most finance youtubers as a result.

I just listen to your videos as a podcast so I didn’t even know you stopped doing the small animations

@ThePlainBagel

Ай бұрын

Good point, I hear from a lot of viewers that they just listen in

You’re one of the few creators in the finance space I fully trust. Keep doing what you’re doing at the pace you are comfortable with. Thank you for making your content. All the best to you and the channel!

@zachariah7114

Ай бұрын

Be very, very careful fully trusting anyone. Don’t trust me, OP, or anyone.

Long time viewer here. Keep your job. Like you said, there's a lot of synergy with it, but I would also add that the fact that you're able to stay authentic without having to worry about KZread monetization is probably the greatest thing that makes your channel stand out, we notice it. Oh, and the release rate is fine, I would wager most people don't like to have to binge-watch and sift through dozens of irrelevant videos just to find the relevant ones.

Bagel v Boyle, let's make the Clash of Finance Nerds happen! 😂

I see financial full time youtuber that post 2 to 3 videos per week seems to be re-hashing always the same content... I tend to tune out of those channels because the quality seems to suffer. If I were you I would keep your job, especially if you still enjoy it.

I recently started watching your channel as I am a 28 year old Canadian with a 1 year old child and just bought my first house in 2023. I feel like I need to know a lot more than I currently do about finance, and you are our guy on the inside who is feeding us the information. I really appreciate your videos and how they make daunting financial topics seem more approachable. THANK YOU!

New viewer here! I'm a licensed financial advisor in the US and have been doing it for just over a decade now. I love watching your videos because I know I'm getting the information on a topic I'm interested in that's related to my field, with clear, concise information! Thank you for all you do!

Love your stuff boss :')

because yt doesn't pay that's why, also after/if you lose popularity you won't be out of the game

@ThePlainBagel

Ай бұрын

KZread pays decently well and I think I could make more money (inclusive of covering the lost income from my job) if I did it full time, but to the second point that's definitely a consideration.

@connorferguson2269

Ай бұрын

@@ThePlainBagel ah so yt does pay well enough, ok, take care bagel

@ThePlainBagel

Ай бұрын

@@connorferguson2269 *if you have a big enough following, I’m almost at 1M subscribers so I definitely face a more unique situation

@yodajonasde

Ай бұрын

@@connorferguson2269KZread pays amazing. Even surreal at this size. Especially when you take sponsorships (especially more shady ones). So I really love that plain bagel is doing it out of passion and no bullsh1t! That’s why I love his work

you in a battle with Patrick would OFC be a 'rap' battle. Numbers are hard. Thanks for all you do. Keep yourself happy. We just get the lucky part of watching your work. BTW loved your interview with PMJT. Did not expect that one.

I have thoroughly enjoyed the channel and the no-fluff explanations of concepts that would be otherwise impenetrable.

I liked the old animations, but in more of a perk way. The channel remains amazing even with the more subdued style. The lack of problematic advertising and click bait content is appreciated and I do feel like when people go full time it's hard to resist playing the algorithm. Keep up the amazing work! We appreciate everything you give us ❤

I don't know if anyone has or will make this point (I'm not going to read all 242 and counting comments to find out), but I do want you to know that you have (unintentionally?) created a channel that has great appeal to senior citizens. I am not a flashy person, and I suspect others in my generation are not into all the click bait and other means whereby content creators strive to grow clicks. You are straightforward, easy to understand, transparent, and well informed. I search for channels such as yours - they are few and far between. Stay right where you are, don't let KZread burn you out, spend that time with the boys, and thanks for your channel.

Keep doing what your doing! The reason I love your content is BECAUSE you can tell you’re not chasing the algorithm, and your videos reflects that. Not the case with so many others in this space, whose “education” has taken a back seat to marketing and chasing views.

i was watching a video the other day about how finance youtubers might start out with good intentions, but there's only so much solid advice you can give before you run out of regular content. if you're doing youtube full time, you have to post on a regular schedule to stay relevant and keep up the revenue you need, which is why so many of them end up falling into clickbait content and scammy "classes". having a steady job removes that pressure, which is why this is one of the few finance channels i keep coming back to. it's a very lucky position to be in! and it benefits everyone

as a subscriber from India, this is partly the reason i watch you.

This here is that rare breed... A happy employee! Good for him! As an employer I am thankful for this outlook. Do a great job and also have your bit on the side. Good job!

Don't ever stop making videos on KZread! You're one of the most important channels here! 😊

Without having listened to your 4 reasons yet: I love it. „Professional“ KZreadrs tend to have that smell of desperation on them. Good on you for maintaining a real job, it makes you way more credible.

I honestly do miss your animations. They were charming. I don't think they were crap. But I do understand and respect that they are very time consuming, and that your current editing style fits best with your life-balance rn (btw, i like your current edit style too) love your content, proud to be a fan. cant wait to see what you have in story for the channel in the future.

For what it's worth, your channel is the ONLY finance channel I watch on KZread. Love it, keep going 😁👍

not a long term viewer, or someone who usually watches finance videos - but I want to say, I really, really loved this video. this was my first introduction to your channel and it's really refreshing and encouraging to see this perspective. thanks so much for posting it!

Very happy that you still work in the field that you also make content about. I think that's why most of your viewers are here.

way to go. Those are 4 excellent reasons. I've been watching your channel since before 2020. I do miss the animations sometimes, but i love that you don't seem algorithms driven. You genuinely seem to want to make videos about the subjects you pick. YOU'RE THE PLAIN BAGEL. if I want cream cheese, I know where to get it. but you deliver excellent plain bagels every time. You're a responsible Father, Professional, and that shows in how you manage your channel. keep it up.

Tbh I like your editing style. Clean and plain, on brand. Enough to stay away from the boring yapping and not too flashy to not take seriously.

Not having to produce regular content certainly improves integrity and topic selection. Every video is topical and relevant. Keep the format as long as it sparks joy

The animations are interesting, but mostly I've been watching because I like hearing what you have to say. Your expertise and rhetorical style IS the production value. I like that you use a decent camera and microphone too. 👍

I’m a regular viewer. Thank you for sharing this. I love the current format. I think fewer, but higher quality is better. Keep it up!

one of the things i appreciate most about your channel is your impartial views on topics. other finance channels over-dramatize, give out misinfomation, or straight up shill products. imo one of the reasons you can do this is because youtube isn't everything for you - you don't come off as desperate for content. regardless of what you decide to do, i hope you can keep this quality about your channel!

Your explanations, pro's and con's were simple, rational and crystal clear as always. Only thing I personally keep as guideline: keep a proper work life balance. Protect yourself from a burnout etc. Keep up doing a great job with the channel.

As a Québécois, I am just proud to find out that some of my favourite KZread Channels are from Canadian creators. Like the Goal Guys. As for answering your question, it is not up to any of us to tell you what to do anyway. I am one of those that discovered you during the pandemic.

Long term viewer here, and I think you're one of my favourite KZreadrs. Happy to hear you enjoy making these videos, and you have a good spot for them in your life :) As for the animation style, I'm just here for your opinions and insight, doesn't really matter how it is presented :)

Part of your appeal is that you have serious gravitas from being a working finance professional. It distinguishes you from the rest of the finfluencer crowd. You are a breath of fresh air in this space.

You’re almost a million!!! Congrats bro. You deserve it. God bless

Well, i do miss the animations which i never thought to be crapy, but I also think the content went a long way from teaching concepts to exploring "events". It's a different type of channel now, but i think for the best. Not that i wouldn't like an old animation every now and then. But you never lost the plain bagel charm! Still love every single thing you put out Richard!

Well thank you for all the good / sober information. After seeing this video I think the fact that you do not do this full time actually helps the quality. :-)

I would rather learn about finance from a person who has a real job in finance and who is "in the trenches" than a full time KZreadr. The fact you do this more for fun and to help other people really shows. Thank you for all the work you do and educating us all!

I've been watching you for years and can only say I've loved your content at every point. The format almost doesn't matter, you do a great job of presenting the information in an understandable way regardless

One of the reasons I value your content so highly is that you are “in the trenches.” I think your job gives you good exposure that most other creators don’t have. Selfishly it also means your content quality remains really high for your audience. Plus who knows what the future holds - keeping your resume with relevant experience means you can pivot if you want to if youtube becomes less profitable