Stocks, investments and savings contracts - there are influencers who are all about finances.
Margarethe Honisch from Munich wants to make her knowledge more accessible and explain it simply.
Munich - you have more followers than most big cities residents.
You travel to the most beautiful places in the world and earn your money with it: Influencers are the new advertising stars, people with powerful influence on the Internet.
But what does life look like behind the perfect online facade?
And what does it actually mean to be an influencer?
For our series, we spoke to the most important network stars from Munich * - from fashion icons to yoga masters.
It quickly became apparent that there is hard work behind the perfect snapshots and short video clips.
Money tips for young people - Margarethe Honisch discovers a gap in the market
Old, white-haired men gave
the idea of giving money tips for women.
She says: “I started dealing with the topic of money seven years ago.” At that time, she attended seminars and courses on the subjects of stocks, investments and savings contracts.
The problem: “I was always the only young woman.
That was totally frustrating. ”The now 35-year-old quickly realized that showing young people how to invest money is a niche in the market.
Influencer on Instagram: Talking about finances instead of lifestyle - the motto of "Fortunalista"
Almost 18,000 people now follow Margaret's Instagram channel Fortunalista.
91 percent of them are women.
She also writes a blog.
“There are also more men represented on the website,” says the 35-year-old.
She confirms the large proportion of women on Instagram *: “Most of the platform on the platform revolves around lifestyle topics.
I wanted to use my channel to address women who have not yet dealt with finances. ”And so she advertises her Instagram channel with slogans such as:“ Buy clothes off the shelf, but not your financial planning. ”Or:“ No fashion- Piece looks as good as financial independence feels. ”All based on Margarethes Moneten's motto: You don't have to have 10,000 euros on the high edge to save.
Margarethe also proves that you can earn money online with a few thousand followers and a good idea.
She has just quit her job at a Munich media company and is now starting her own business with the subject of investments.
“I have three pillars: my book, which is now in its fifth edition, a few collaborations on Instagram, and courses and workshops that I give,” says Margarethe.
With the new year she started a “finance boat camp”.
In these online courses, she explains how to start building wealth and how to lay the foundation right.
“I have participants from Italy, Dubai and, of course, Germany, too, who I coach on a weekly basis and explain to them bit by bit how to save and invest money with a plan and overview.” Margarethe is particularly proud of one thing: only young women attend her course.
Margaret's Tips - How to really invest money with apps and ETFs
1. Check income and expenses: With a budget book or an app I can get an overview of all my expenses and see what I can cut and where I can save additionally.
2. Save strategically: It is best to regularly save a fixed portion of the net salary (eg ten percent).
Important: Save right at the beginning of the month and not at the end of the month when there is nothing left.
So you automatically learn to get by with less money.
And: Don't save on your current account or under your pillow, but on a daily money account.
3. Not only save, but also invest: With ETFs I can invest my money in the entire DAX or world market from 25 euros a month.
My advantage: I lower my risk because I invest in many different companies and I need less prior knowledge.
The power of Munich influencers - Anni Jung gives 458,000 people fashion tips on Instagram.
Stéphanie Mercier * tz.de is part of the Ippen-Digital network