@maliktalksreal Avatar @maliktalksreal Malik Talks 🎙️

Malik Talks 🎙️ posts on TikTok about card, if you, credit cards, money the most. They currently have [------] followers and [---] posts still getting attention that total [------] engagements in the last [--] hours.

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Social Influence

Social category influence finance 59.41% stocks 19.8% cryptocurrencies 2.97% technology brands 2.97% financial services 1.98% ncaa football 0.99% social networks 0.99% exchanges 0.99%

Social topic influence card #1530, if you 16.83%, credit cards #194, money 13.86%, this is 12.87%, how to 9.9%, gold 5.94%, watch 5.94%, in the 5.94%, bank #2372

Top accounts mentioned or mentioned by @csmooth @georgiacilley @creative @rich4credit2

Top assets mentioned Charles Schwab Corporation (SCHW) Bitcoin (BTC) BlackRock Inc (BLK) Klarna Group plc (KLAR) Fidelity BTC Trust (FBTC) Flex Ltd. Ordinary Shares (FLEX) EPR Properties (EPR) Mastercard, Inc. (MA)

Top Social Posts

Top posts by engagements in the last [--] hours

"He loves debt sounds crazy until you understand how credit actually works. Debt isnt the problem mismanagement is. Same cards. Same limits. Different outcomes. Stay confused or learn the game 🤷🏾♂ #credittok #crediteducation #financialliteracy101 #gooddebt #moneypsychology"
TikTok Link 2026-01-07T11:20Z 19.9K followers, 305.8K engagements

"these [--] yieldmax etfs are timed to pay out in different weeks so if you stack them you can get paid every week from monthly dividends 📅💵 #greenscreen #creatorsearchinsights #weeklydividends #dividendinvesting #passiveincomeideas #yieldmaxetfs #financetok #investingforbeginners #fypinvesting #stocktok These [--] ETFs pay me weekly passive income 📅💵 These [--] ETFs pay me weekly passive income 📅💵"
TikTok Link 2025-06-04T00:23Z 20K followers, 391.9K engagements

"If youre still using Credit Karma this is your wake-up call. Get the Experian app and start checking your REAL score. It could change your financial life. #creditfacts #greenscreen #creatorsearchinsights #experian #creditscoretips #fico #creditkarma #creditawarenessfinancialliteracy #creditfacts If youve been using Credit Karma this is your sign to stop 🛑 If youve been using Credit Karma this is your sign to stop 🛑"
TikTok Link 2025-06-17T22:00Z 19.9K followers, 14.8K engagements

"Got approved for a new Amex card and thought they lowered my credit limit but they actually transferred part of my existing limit to the new card. #americanexpress #creditlimit #creditcards #buildingcredit #financialliteracy I thought Amex lowered my limit but they didnt. I thought Amex lowered my limit but they didnt"
TikTok Link 2026-02-11T23:20Z 19.9K followers, 11.3K engagements

"Two credit cards that can help kick start your investing journey 💳📈#greenscreen #creatorsearchinsights #explore #invest #credit #creditrepair #creditscore #creditcards #investingforbeginners Two Credit Cards That can kick start your investing journey [--]. Fidelity Visa Signature [--]. Amex Charles Schwab Two Credit Cards That can kick start your investing journey [--]. Fidelity Visa Signature [--]. Amex Charles Schwab"
TikTok Link 2025-02-12T10:02Z 19.9K followers, [----] engagements

"Theyre not teaching this Roth IRA move. 💰 You can legally pay $0 in taxes on crypto gains using this ETF hack. Save this before it disappears. #greenscreen #creatorsearchinsights #rothira #taxfreeinvesting #cryptohacks #etfinvesting #passiveincometips #bitcoinstrategy #investingtips #wealthtok The top [--] Bitcoin ETFs right now IBIT (BlackRock) FBTC (Fidelity) GBTC (Grayscalebut that fee is 1.5%👎🏾) Roth IRA + ETFs = the hack no ones using Bitcoin gains with ZERO taxes 🤯 The top [--] Bitcoin ETFs right now IBIT (BlackRock) FBTC (Fidelity) GBTC (Grayscalebut that fee is 1.5%👎🏾) Roth IRA + ETFs"
TikTok Link 2025-06-05T23:52Z 19.9K followers, [----] engagements

"First it was credit cards then Affirm and Klarna now Cash App is letting you borrow money. $200 today could cost you much more later. Be smart with your money stop borrowing what you dont have. #c#cashappc#cashappborrowp#personalfinancem#moneytipsfinancialfreedom Cash App is now lending you money 👀💸 Cash App is now lending you money 👀💸"
TikTok Link 2025-08-22T10:55Z 19.9K followers, 12.2K engagements

"Most people dont realize Amex lets you see a decision before you accept the card. Heres what the application process looks like step-by-step and when your credit would (or wouldnt) be impacted. #amex #americanexpress #creditcards #creditscoretips #financialliteracy this is the safe way to try for amex (most people dont know). this is the safe way to try for amex (most people dont know)"
TikTok Link 2025-12-12T21:08Z 19.9K followers, 21.7K engagements

"A lot of people get confused when I say I pay my credit cards with Cash App so heres exactly how it works. Cash App isnt the credit card payment itself. Its the bank account I route the payment through. As long as your credit card accepts bank payments it doesnt matter if that bank is traditional a credit union or Cash Apps routing and account number. This is why understanding how payments actually work matters more than opinions online. #creditcards #financialliteracy #cashapp #crediteducation #moneyskills You CAN pay credit cards with Cash App 😳 You CAN pay credit cards with Cash App 😳"
TikTok Link 2025-12-31T02:13Z 19.9K followers, 30K engagements

"Mr Trickback you are him authorized user or nothing 🥷🏾 #authorizeduser #creditcardtok #financetok #credittok #moneyhumor He still aint got you as an authorized user better run from that brokey 🤨🐣😂 He still aint got you as an authorized user better run from that brokey 🤨🐣😂"
TikTok Link 2026-01-05T20:35Z 19.9K followers, 11.9K engagements

"If I was brand new to credit and needed to build from scratch these two cards would be top of my list. No gimmicks just growth. #creatorsearchinsights #firstcreditcard #creditcardtips #buildcredit #chasefreedomrise #discoverit #creditcards #financialliteracy #moneytoks #moneytips #traction If I had to start over with $0 credit history these are the [--] cards Id get first. Discover IT Secured Card Chase Freesom RISE If I had to start over with $0 credit history these are the [--] cards Id get first. Discover IT Secured Card Chase Freesom RISE"
TikTok Link 2025-04-17T21:34Z 19.6K followers, 131.8K engagements

"Replying to @csmooth Trying to make passive income with $5K Heres the truth about how much youll really get from dividend stocks like LFGY. Dont make this mistake. #dividendincome #lfgy #passiveincome #investingforbeginners #creatorsearchinsights #greenscreen You want dividend income Heres what $5K actually gets you You want dividend income Heres what $5K actually gets you"
TikTok Link 2025-05-22T22:45Z 19.2K followers, [----] engagements

"the amex gold card doesnt report utilization so i can swipe heavy and still show 0% usage. this is one of my favorite credit-building hacks most people dont know. if youre trying to build credit while using your cards watch this. #creditgame #greenscreen #creatorsearchinsights #amexgoldcard #creditcardtips #utilizationhack #creditbuilding #amexflex #personalfinance #fyp why i run up my amex gold card with no fear. why i run up my amex gold card with no fear"
TikTok Link 2025-05-28T15:48Z 19.6K followers, 118.6K engagements

"how to open a charles schwab account and start investing. most people dont show you this step so heres exactly how to do it whether youre picking a brokerage account or roth ira. #greenscreen #creatorsearchinsights #charlesschwab #rothira #brokerageaccount #investing101 #beginnerinvestor #creditandinvesting Nobody talks about THIS step How to actually OPEN an investment account 🧠📈 Nobody talks about THIS step How to actually OPEN an investment account 🧠📈"
TikTok Link 2025-06-06T06:01Z 19.6K followers, 33.5K engagements

"If you have a Chase credit card you might be sitting on a hidden loan option without knowing it. No hard pull. No application. Ill show you how to check if youre approved. #greenscreen #creatorsearchinsights #chasebank #creditcardtips #mychaseloan #hiddenmoney #personalloan #financialliteracy Chase is secretly offering personal loans INSIDE your credit card 👀📲 HOLD FOR 2X Chase is secretly offering personal loans INSIDE your credit card 👀📲 HOLD FOR 2X"
TikTok Link 2025-06-28T07:03Z 19.5K followers, 103.9K engagements

"Helping my mom start investing at [--] with just $500 📈💵 Heres a simple diversified portfolio ANY beginner can copy to get started with dividends + growth. #beginnerinvesting #dividendetf #investingforbeginners Beginner portfolio for my 55-year-old mom 📈💰 Beginner portfolio for my 55-year-old mom 📈💰"
TikTok Link 2025-08-30T04:03Z 19.6K followers, [----] engagements

"30% of your credit score is utilization. More available credit = lower utilization = stronger score. This is one of the fastest ways to improve your credit profile without spending extra money. #creditscore #crediteducation #credittips #creditbuilding #financialliteracy Lower utilization = Score Goes up 30% of your credit score is THIS and most people ignore it. 🚨 Lower utilization = Score Goes up 30% of your credit score is THIS and most people ignore it. 🚨"
TikTok Link 2026-01-04T05:10Z [--] followers, [----] engagements

"The new Bilt card isnt causing backlash because its bad. Its causing backlash because the rollout lacked transparency. No clear comparison. No simple explanation. Too much math just to understand value. When a credit card requires this much investigation thats already a problem. #bilt #creditcards #crediteducation #maliktalksreal The problem isnt the card. Its THIS. The problem isnt the card. Its THIS"
TikTok Link 2026-01-15T06:17Z 19.1K followers, 23.6K engagements

"You have more control than you think. Blaming others feels easier than changing yourself but change starts the moment you take responsibility. Your choices shape your life. Choose better. #maliktalksreal #accountability #selfdiscipline #mindsetshift #personalgrowth Stop blaming everyone else. Stop blaming everyone else"
TikTok Link 2026-01-31T07:16Z [--] followers, [---] engagements

"Most people dont fail they just never plan. Living intentionally means setting goals building systems and moving with purpose instead of reacting to life. Autopilot keeps people stuck. Intentional living changes everything. #intentionalliving #mindsetshift #lifestrategy #personalgrowth #maliktalksreal Most people are living on autopilot. Most people are living on autopilot"
TikTok Link 2026-01-31T08:06Z [--] followers, [---] engagements

"Once investing finally clicks youll always wish you started sooner. That feeling never goes away and its what pushes you to build better systems invest consistently and think long-term. Compound growth changes how you see money. #investingmindset #compoundinterest #wealthbuilding #longtermthinking #financialliteracy Once you start investing youll always feel like you didnt do enough. Once you start investing youll always feel like you didnt do enough"
TikTok Link 2026-01-31T08:47Z [--] followers, [---] engagements

"Disorganization doesnt just create stress it blocks money. Your habits transfer. Your environment reflects your decisions. Clarity creates control. If you want better finances start with better systems. #financialliteracy #moneyhabits #wealthmindset #discipline #intentionalliving If your life is disorganized your money will be too. If your life is disorganized your money will be too"
TikTok Link 2026-02-01T23:23Z [--] followers, [---] engagements

"Most people dont understand credit they use it backwards. Credit isnt about buying things. Its about access leverage and cost of capital. Your habits decide your lane. #crediteducation #financialliteracy #wealthmindset #creditbuilding Credit doesnt exist so you can buy more stuff. Credit doesnt exist so you can buy more stuff"
TikTok Link 2026-02-01T23:54Z 19.6K followers, [----] engagements

"Generational wealth isnt built by luck or income. Its built through literacy. If you dont learn differently youll live the same life just older. #financialliteracy #generationalwealth #wealthmindset #intentionalliving #selfeducation Working paying bills and going home isnt a plan. Working paying bills and going home isnt a plan"
TikTok Link 2026-02-02T00:14Z 19.1K followers, [----] engagements

"You cant build a new life while holding onto old habits. #mindsetshift #selfdevelopment #financialdiscipline #intentionalliving #growthmindset If you want real change you have to let go of the old version of yourself. If you want real change you have to let go of the old version of yourself"
TikTok Link 2026-02-04T22:11Z 19.6K followers, [---] engagements

"Use social media. Dont let it use you. #financialliteracy #socialmedia #wealthmindset #intentionalliving #discipline Part [--] Comparison & highlight reels Part [--] Impulse buying & FOMO Part [--] Pay-to-play & subscriptions Social media isnt just wasting your time its quietly making you poorer. Part [--] Attention dilution Part [--] Productivity loss Part [--] Comparison & highlight reels Part [--] Impulse buying & FOMO Part [--] Pay-to-play & subscriptions Social media isnt just wasting your time its quietly making you poorer. Part [--] Attention dilution Part [--] Productivity loss"
TikTok Link 2026-02-04T23:04Z 19.6K followers, [---] engagements

"Time exposes everything. What you ignore today becomes regret later. #longtermthinking #wealthmindset #financialfreedom #intentionalliving #mindsetshift In [--] years a lot of people you know will wonder where their life went. In [--] years a lot of people you know will wonder where their life went"
TikTok Link 2026-02-06T06:06Z 19.6K followers, [---] engagements

"Nobody gets a roadmap. After a certain age access replaces excuses. You can learn research ask questions and adapt or stay stuck. #mindsetshift #personalgrowth #selfdiscipline #intentionalliving #financialliteracy After a certain age you cant keep blaming your family for what you dont know. After a certain age you cant keep blaming your family for what you dont know"
TikTok Link 2026-02-06T06:49Z 19.6K followers, [---] engagements

"Making more money doesnt mean you grew financially. It just gives you more room to repeat bad habits. #financialliteracy #moneytok #wealthmindset #financialdiscipline #impulsivespending Most people never mature financially they just get older and make more money. Most people never mature financially they just get older and make more money"
TikTok Link 2026-02-07T06:24Z 19.6K followers, [---] engagements

"Credit cards dont ruin people. Lack of accountability does. #financialliteracy #accountability #moneytalk #creditcards #wealthmindset Every time credit cards come up people say the same name Dave Ramsey. Every time credit cards come up people say the same name Dave Ramsey"
TikTok Link 2026-02-07T06:44Z 19.6K followers, [----] engagements

"Financial responsibility isnt about deprivation. Its about order. #financialdiscipline #wealthmindset #moneytok #financialliteracy #smartmoney You can buy nice things and still be financially responsible. You can buy nice things and still be financially responsible"
TikTok Link 2026-02-07T07:11Z 19.6K followers, [----] engagements

"Capital One is canceling cards and clawing back points. Heres what to watch for if you bank with them or use your card too often. #creatorsearchinsights #capitalone #creditshutdown #creditcards #smartmoneytips #moneytalks #credittok #crediteducation Capital One just added this to their terms. You missed it. Hold for 2X Capital One just added this to their terms. You missed it. Hold for 2X"
TikTok Link 2025-05-04T21:53Z 19.9K followers, 154K engagements

"A lot of people have credit cards but dont even know where their statement is. Your statement shows: the balance that was reported the billing period and what the credit bureaus actually see In this video I show you step-by-step how to find your statement using Chase and American Express so you can actually understand whats happening on your account. If you have a credit card this is something you should already know how to find. #creditcards #crediteducation #financialliteracy #creditscoretips #moneyknowledge This is why people dont understand their own credit. If you have a credit card and"
TikTok Link 2025-12-28T23:15Z 19.9K followers, [----] engagements

"Most people think you have to apply for a new credit card every time your spending changes. You dont. This is what a product change looks like step-by-step and how easy it actually is when you already have an account. #creditcards101 #personalfinance #financialliteracy #creditstrategy How to switch your Amex card without hurting your credit How to switch your Amex card without hurting your credit"
TikTok Link 2025-12-26T23:12Z 19.9K followers, 75.1K engagements

"Financial freedom isnt instant but flexibility is earned. Start with savings. Spend intentionally. Invest consistently. Keep it simple. #financialliteracy #moneytips #wealthbuilding #financialfreedom #investingforbeginners Here are five financial steps you can take to work toward financial freedom Step three: invest even if its small Step four: stop overcomplicating investing. Step five: stop listening to people who have no results Step one: save at least $1000. Step two: do what you can afford Here are five financial steps you can take to work toward financial freedom Step three: invest even"
TikTok Link 2026-02-08T21:37Z 19.9K followers, [----] engagements

"Tax season is discipline season. If youre getting a refund and youre carrying debt this is your chance to reset. Most people celebrate temporary money and stay in permanent debt. Use your refund to lower balances reduce stress and build leverage not just flex for a weekend. Be intentional. #taxseason #taxrefund #debtfreejourney #financialdiscipline #maliktalksreal Your tax refund is NOT vacation money. Your tax refund is NOT vacation money"
TikTok Link 2026-02-13T20:51Z 20K followers, [----] engagements

"If your paycheck feels like it disappears the second it hits your account its not always about making more money. Sometimes its about restructuring what you already make. Split your major bills in half. Take control back. Small systems. Big difference. #financialliteracy #moneytips #budgeting #moneymindset #maliktalksreal Ex: Rent: [----] / [--] =1250 Car payment: [---] / [--] =300 This is how I stopped feeling broke every payday. Ex: Rent: [----] / [--] =1250 Car payment: [---] / [--] =300 This is how I stopped feeling broke every payday"
TikTok Link 2026-02-16T20:10Z 19.9K followers, [---] engagements

"Just got a $10000 credit limit increase on my Amex BlueCash Preferred Now sitting at $25000. If youre not asking for credit line increases every month or at least twice a month youre missing out. More credit = lower utilization and thats how you grow your score FAST. Go request yours NOW #greenscreen #creatorsearchinsights #credit #credittips #creditscore"
TikTok Link 2025-03-27T22:53Z 19.9K followers, 101.4K engagements

"how to get an amex card without a hard pull amex preapproval hack explained check before you apply #credittips #amexpreapproval #softpull #creditcardtips #tiktokfinance #creatorsarchinsights You can get approved for an Amex card with no hard pull You can get approved for an Amex card with no hard pull"
TikTok Link 2025-05-01T11:24Z 19.9K followers, 11.3K engagements

"Capital One shutting accounts down for credit cycling is wild heres whats going on and what you need to know before applying. #capitalone #creditcards #creditcycle #PersonalFinance #creditgame #moneytoks #creatorsearchinsights #closingaccounts #credit #crediteducation Capital One is CLOSING credit cards heres what nobodys telling you. Hold for 2X Capital One is CLOSING credit cards heres what nobodys telling you. Hold for 2X"
TikTok Link 2025-05-03T12:47Z 20K followers, 420.4K engagements

"this stock ran from $4 to $540 in six months. people slept on this penny stock and it made quiet millionaires. watch the charts closer this is how people change their life fast. #greenscreen #creatorsearchinsights #pennystocks #stockmarketnews #financialfreedom #regencell #investingforbeginners #buildwealth #financecontent This penny stock turned people into millionaires in MONTHS This penny stock turned people into millionaires in MONTHS"
TikTok Link 2025-05-27T15:46Z 19.9K followers, 10K engagements

"this stock pays monthly and has been my biggest gainer so far 📈 heres why i keep buying more $epr properties for passive income #greenscreen #creatorsearchinsights #eprproperties #reitinvesting #monthlydividends #dividendstocks #passiveincometips #stocktok #investingforbeginners This stock pays me every monthand its been my top gainer 👀📈 This stock pays me every monthand its been my top gainer 👀📈"
TikTok Link 2025-06-10T06:54Z 20K followers, [----] engagements

"Confused about investing Charles Schwab Themes make it simple. Heres how I started without overthinking it. #greenscreen #creatorsearchinsights #investingforbeginners #charlesschwab #howtoinvest #stockmarket101 #financialliteracy #moneytok Investing feels confusing Start HERE👇 Investing feels confusing Start HERE👇"
TikTok Link 2025-06-27T04:53Z 19.9K followers, 73.7K engagements

"Most people only know Navy Federal but USAA might actually be better. Heres what they offer and why more people should talk about them. #militarybank #usaa #greenscreen #creatorsearchinsights #u#usaan#navyfederalm#militarymoneyc#creditcardsf#financialliteracybankingtips Why USAA Navy Federal 👀📈 Nobody talks about THIS bank Why USAA Navy Federal 👀📈 Nobody talks about THIS bank"
TikTok Link 2025-07-09T07:14Z 19.9K followers, 14K engagements

"3 space economy stocks under $60 in [----] that are quietly running up and still have room to grow. ASTS ERJ and VSAT are worth watching. Save and share if youre building your portfolio smart. #creatorsearchinsights #investing2025 #spacestocks #beginnerinvestor #etfsandstocks Space stocks under $60 going crazy in [----] 🚀📈 Dont Tell anyone Space stocks under $60 going crazy in [----] 🚀📈 Dont Tell anyone"
TikTok Link 2025-08-07T11:53Z 19.9K followers, [----] engagements

"breaking down the mastercard black card 👀 is it worth the $495 fee #creditcards #mastercardblackcard #travelrewards #creditcardreview #pointsandmiles The credit card NOBODY talks about 👀💳 The credit card NOBODY talks about 👀💳"
TikTok Link 2025-08-11T21:29Z 19.9K followers, 12.8K engagements

"the only debit card ill ever use 💳 travel anywhere with zero atm or foreign transaction fees 🌍 #traveltips #debittips #charlesschwab #bankinghacks #traveltips The BEST debit card in the world 🌍💳 The BEST debit card in the world 🌍💳"
TikTok Link 2025-08-13T04:33Z 20K followers, 71.7K engagements

"how to pay your discover card the smart way 💳 step by step #discovercard #howtopaycreditcard #buildcredit #financialtips #creditcards Discover card usersheres how to pay it the SMART way 💳🔥 Discover card usersheres how to pay it the SMART way 💳🔥"
TikTok Link 2025-08-21T08:49Z 19.9K followers, 44.8K engagements

"Citi gave me a credit limit increase on my American Airlines credit card without a hard pull 🚀 Heres exactly what I did to get approved and how you can do the same. This works for Citi AA and other Citi cards if you follow these steps. #creditcards #citi #americanairlines #creditlimitincrease #creditscore How I went $11400 $13400 in the Citi app (stepbystep) How I went $11400 $13400 in the Citi app (stepbystep)"
TikTok Link 2025-08-21T09:03Z 19.9K followers, [----] engagements

"Why I use CashApp for paying bills instead of my bank. This small shift protects my checking account keeps bills organized and clears payments fast. 💳 #creditcardtips #personalfinance #moneymoves #billpayment #cashapp Why I pay my bills through CashApp instead of my checking account 👀 Why I pay my bills through CashApp instead of my checking account 👀"
TikTok Link 2025-09-04T08:46Z 19.9K followers, 16.3K engagements

"Big banks will never beat the benefits of a good credit union. If youre in CA this one might be worth looking into #creditunion #financialliteracy #bankinghacks #moneytips #california This California credit union might be a hidden gem 👀 This California credit union might be a hidden gem 👀"
TikTok Link 2025-09-27T08:30Z 20K followers, 26.4K engagements

"Most people dont even realize you can use Experian Premium completely free you just have to know where to click. Dont overpay to check your credit again. #creditscoretips #experianhack #financialliteracy #creditboost #fico How to get Experian Premium for FREE 😳 (no credit card charge) How to get Experian Premium for FREE 😳 (no credit card charge)"
TikTok Link 2025-10-21T19:32Z 19.9K followers, [----] engagements

"Most people wait for charges to post then panic about utilization. Heres how I keep mine 13% by pre-paying pending transactions on my Chase Amazon Prime Visa. Its simple: total your pending swipes pay that amount before they post let the statement cut clean. Which bank are you using and does it allow early payments #credittips #chaseamazon #creditutilization #personalfinance #moneymoves pay your card before charges post watch. 🧠💳 pay your card before charges post watch. 🧠💳"
TikTok Link 2025-11-06T12:41Z 19.9K followers, 42.6K engagements

"Come with me while I pay off my American Express balance. Credit isnt scary when you understand it. Discipline income. This is how you stay in control instead of letting debt control you. #creditdiscipline #financialliteracy #creditcards #moneyhabits #adulting Come with me to pay off $4500 on my American Express Gold Card 🫣💳 Come with me to pay off $4500 on my American Express Gold Card 🫣💳"
TikTok Link 2025-12-18T10:24Z 19.9K followers, 33K engagements

"Most people are paying their credit cards on time and still wondering why their credit score isnt moving. Your payment due date does NOT affect utilization. Your statement closing date does. This is how credit card balances actually get reported and how to keep your utilization low so your score keeps climbing into [----]. #creditscore #buildcredit #financialliteracy #credittips #moneyeducation This date matters MORE than your credit card due date. If you want a higher credit score in [----] watch this. This date matters MORE than your credit card due date. If you want a higher credit score in"
TikTok Link 2025-12-27T07:07Z 19.9K followers, 21.7K engagements

"American Express charge cards like the Gold and Platinum dont report utilization the same way traditional credit cards do. Thats why I use the Amex Gold when I know Im spending more than usual it protects my utilization while still letting me manage the balance responsibly. This is about strategy not flexing. #amexgold #creditcardstrategy #crediteducation #financialliteracy #moneymoves This card literally reports 0% utilization This is exactly why the American Express Gold is one of my most used cards. This card literally reports 0% utilization This is exactly why the American Express Gold is"
TikTok Link 2026-01-01T20:59Z 19.9K followers, 45.3K engagements

"Most people think paying with Apple Cash is unnecessary. Its actually the fastest way to clear your Apple Card balance. Bank transfers take [--] days. Apple Cash updates instantly because its internal. This isnt a trick its just understanding the system. #applecard #creditcards #crediteducation #moneymoves #personalfinance Apple Card payments dont clear instantly unless you do this Apple Card payments dont clear instantly unless you do this"
TikTok Link 2026-01-03T06:49Z 19.9K followers, 15.7K engagements

"Banks are starting to transition to FICO Score [--] and some people are already seeing changes 👀 This model looks at long-term credit behavior not just paying on time. #credittok #ficoscore #fico10 #financialliteracy #crediteducation Your credit score just changed and you might not know it. Your credit score just changed and you might not know it"
TikTok Link 2026-02-07T00:09Z 19.9K followers, 43K engagements

"Self-rejection keeps more people stuck than failure ever will. Ask. Apply. Try. Let the answer come after the attempt. #mindsetshift #selfbelief #personalgrowth #LifeAdvice #confidence A lot of people sell themselves short before life ever gets a chance to answer them. A lot of people sell themselves short before life ever gets a chance to answer them"
TikTok Link 2026-02-08T22:04Z 20K followers, [----] engagements

"If theyre talking youre visible. If youre visible youre moving. Keep going. #mindset #growthmindset #selfdevelopment #motivationdaily #discipline The moment people start hating on you thats when you know youre doing something right. The moment people start hating on you thats when you know youre doing something right"
TikTok Link 2026-02-08T22:41Z 20K followers, [----] engagements

"If youre using Credit Karma youre looking at a VantageScore not the FICO score most lenders actually pull. Most adults dont even know they have multiple FICO scores including industry-specific versions. #creditkarma #ficoscore #crediteducation #financialliteracy #credittips Credit Karma is NOT your real credit score 😤 Credit Karma is NOT your real credit score 😤"
TikTok Link 2026-02-11T23:55Z 19.9K followers, 16K engagements

"If youre under [--] these habits will either build your future or delay it. Most people dont mature financially or mentally until its too late. Quit the distractions. Quit the excuses. Quit chasing approval. Build discipline early and your 20s will look different. #selfimprovement #youngadult #financialliteracy #discipline #mindsetshift [--] Quit being afraid to fail [--] Quit ignoring your finances [--] Quit ignoring your goals [--] Quit trying to afford things you know you cant QUIT THESE [--] THINGS BEFORE YOU TURN [--]. [--] Quit neglecting your health [--] Quit saying yes to everything [--] Quit chasing approval 1"
TikTok Link 2026-02-12T22:04Z 19.9K followers, [----] engagements

"Everybody chases the Amex Platinum but not every card fits every lifestyle. I picked the Marriott Bonvoy Brilliant because it aligns with how I move not because its trendy. Credit cards arent about flexing. Theyre about strategy leverage and long-term value. Build your stack with intention. #marriotbonvoy #amex #creditcards #travelrewards #credittips Unboxing the $650 Marriott Brilliant heres why I got it. Unboxing the $650 Marriott Brilliant heres why I got it"
TikTok Link 2026-02-12T23:15Z 19.9K followers, [----] engagements

"#stitch with @georgiacilley We are in a financial literacy epidemic. Minimum payments credit card interest budgeting investing most adults were never taught this. At some point you have to choose to learn. If you dont understand money money will control you. This is why I post. #creditcarddebt #financialliteracy #moneyeducation #creditcards We have a financial literacy epidemic. 😳📉 We have a financial literacy epidemic. 😳📉"
TikTok Link 2026-02-13T21:04Z 19.9K followers, [---] engagements

"Most adults arent lazy. Theyre distracted. If you want to grow you have to be honest with yourself. Accountability discipline and intention change everything. #selfimprovement #mindsetshift #discipline #financialliteracy #levelup You always have an excuse. Your entire personality revolves around pleasure. You wake up every day with no direction. You live in the past. [--] Signs Youre Living Like a Loser You always have an excuse. Your entire personality revolves around pleasure. You wake up every day with no direction. You live in the past. [--] Signs Youre Living Like a Loser"
TikTok Link 2026-02-15T22:57Z 19.9K followers, [---] engagements

"Truth doesnt get validation. It gets resistance. Most people dont want correction. They want comfort. If you speak real you have to be okay with standing alone. #realtalk #mindsetshift #selfimprovement #financialliteracy #maliktalksreal If everyone agrees with you youre probably not saying anything real. If everyone agrees with you youre probably not saying anything real"
TikTok Link 2026-02-15T23:22Z 19.9K followers, [---] engagements

"High income doesnt equal high wealth. Lifestyle inflation is why so many high earners are financially stuck. More money only works if your habits stay disciplined. Flexibility flexing. #financialdiscipline #wealthmindset #moneyhabits #financialliteracy #maliktalksreal There are broke high earners everywhere. There are broke high earners everywhere"
TikTok Link 2026-02-16T05:18Z 19.9K followers, [---] engagements

"Preparation isnt disrespect. Its maturity. Your parents being here is a blessing but independence is your responsibility. Build like youre already on your own. #financialindependence #selfdiscipline #adulting #wealthmindset #maliktalksreal Live like your parents wont always be there. Live like your parents wont always be there"
TikTok Link 2026-02-16T05:27Z 19.9K followers, [---] engagements

"The internet made regular look like failure. In real life regular is stable. Build your foundation. Then expand. Theres nothing wrong with steady growth. #financialliteracy #wealthmindset #9to5life #buildyourfuture #maliktalksreal The 9-5 hate is social media propaganda. The 9-5 hate is social media propaganda"
TikTok Link 2026-02-16T05:38Z 19.9K followers, [---] engagements

"No standards = default outcomes. If you dont decide what you want Youll accept whatever shows up. Be intentional. Choose your environment. Choose your standards. Choose your future. Or life will choose for you. #mindsetshift #selfdevelopment #intentionalliving #growthmentality #maliktalksreal If you dont set standards life will set them for you. If you dont set standards life will set them for you"
TikTok Link 2026-02-16T20:26Z 19.9K followers, [---] engagements

"Not everything needs to be posted. Not everything needs to be explained. Not everything needs to be validated. The less people know the more control you keep. #mindsetshift #selfdevelopment #privacyispower #moneymindset #maliktalksreal The less people know about you the better you are. The less people know about you the better you are"
TikTok Link 2026-02-16T20:55Z 19.9K followers, [---] engagements

"Being financially literate isnt about deprivation its about priorities. What you say no to matters just as much as what you say yes to. If I missed something you refuse to spend money on drop it in the comments #maliktalksreal #intentionalliving #focused #smartmoney #moneysavingtips Number one: gambling. Gambling is a waste of money Number two: first-class flights and this depends. Number four: alcohol and drugs. Number five: clubbing and buying bottles or sections. Five things I refuse to do as a financially literate 25-year- old. Number three: designer clothes. Ive never understood paying"
TikTok Link 2026-01-18T12:23Z 17.7K followers, [---] engagements

"Bad debt isnt about how much you owe its about what that debt is doing for you. If your money is going toward things that lose value while your investments stay at zero youre working against yourself. This isnt about being cheap. Its about being intentional. Do the math. Your future self depends on it. #baddebt #financialliteracy #adulting101 #moneytok #maliktalksreal Most people never realize THIS is why retirement feels impossible Most people never realize THIS is why retirement feels impossible"
TikTok Link 2026-01-18T13:23Z 17.7K followers, [---] engagements

"People love saying things arent worth it without ever doing the math. A high-yield savings account isnt about getting rich its about not letting inflation eat your money alive. Same money. Same effort. Very different results. If youre letting cash sit in a low-interest account youre leaving money on the table every single month. #hysa #maliktalksreal #savingmoney #smartmoney #financiallyresponsible It pays 0.10%. If I leave $5000 in here for an entire year I make $5 total. Thats about [--] cents a month At 3.4% that same money makes about $170 a year or roughly $14 a month. Someone said a HYSA"
TikTok Link 2026-01-19T23:43Z 17.9K followers, [----] engagements

"not all credit scores are created equal. check your report with experian to see what lenders actually see dont trust random appsget the real number that matters. #greenscreen #creatorsearchinsights #experian #creditscore #creditreport #credittips #fico #creditcheck #finance #moneytips #personalfinance #tiktokfinance #crediteducation Your credit score isnt the same everywhere but heres why Experian gives you the most accurate report Your credit score isnt the same everywhere but heres why Experian gives you the most accurate report"
TikTok Link 2025-04-01T16:34Z 19.9K followers, [----] engagements

"#stitch with @CREATIVE KIMONTAE Nothing against him at all I just disagree. Starting my credit journey at [--] put me years ahead and by [--] Ive already built an [---] score. Waiting until [--] means youre starting from scratch while others are already established. Build early build smart. #credit101 #buildcredit #financialliteracy #youngadultfinance This is why building credit EARLY matters 💳 This is why building credit EARLY matters 💳"
TikTok Link 2025-12-10T01:12Z 19.9K followers, [----] engagements

"Maxed out your credit card This simple trick can help lower your utilization and boost your credit score fast Just make sure you choose the right person to be an authorized user with. Would you try this Drop a comment below #greenscreen #creatorsearchinsights #authorizeduser #credit #creditscore #creditbuilding High utilization is tanking your credit score The Authorized User Hack High utilization is tanking your credit score The Authorized User Hack"
TikTok Link 2025-03-31T02:07Z 19.2K followers, [---] engagements

"The truth about Amex Gold no ones telling you People keep getting denied for Amex Gold not because of credit score but because theyre doing this wrong. Save this before you apply. #amexgold #creditcardsforbeginners #creditapproval #moneytok #tiktokfinance #buildcreditscore #creatorsearchinsights The truth about Amex Gold no ones telling you (2025) The truth about Amex Gold no ones telling you (2025)"
TikTok Link 2025-05-01T19:29Z 18.4K followers, [----] engagements

"The Capital One + Discover merger is a $35B dealbut is it a financial power move or a credit trap in disguise Lets talk about what this means for your credit approvals and the future of banking. #creatorsearchinsights #capitalone #discover #creditnews #bankingmerger #creditcards #financefacts #moneytok #financialnews #creditgame #credittruth #crediteducation Capital One + Discover MERGE this is NOT what you think. Capital One + Discover MERGE this is NOT what you think"
TikTok Link 2025-05-05T22:17Z 18.3K followers, [----] engagements

"Monthly dividends from MSTY ETF are wild right now. Even after dropping 6% its still paying more than most ETFs in the game. If youre stacking passive income this is one to watch. High yield high risk but big rewards if youre strategic. #creatorsearchinsights #dividendinvesting #monthlydividends #passiveincome #financecontent #mstyetf #investingtips This ETF is down 6% but still paying MONTHLY. This ETF is down 6% but still paying MONTHLY"
TikTok Link 2025-05-25T10:01Z 19.6K followers, [----] engagements

"cony is one of the most talked about dividend etfssome love it for the passive income others think its unstable. heres a look at what its paying right now and what the real risk might be. monthly dividends are tempting but you gotta look at the full chart before jumping in. i hold cony myselfbut its part of a bigger strategy. #creatorsearchinsights #dividendinvesting #monthlydividends #passiveincomeideas #investingforbeginners #financewithmalik #etfportfolio #fypmoneytips #cony This ETF pays out monthly but people swear its trash This ETF pays out monthly but people swear its trash"
TikTok Link 2025-05-25T10:25Z 18.8K followers, [----] engagements

"These are the dividend ETFs Im stacking every month for long-term income. If youre trying to live off your portfolio start here. #monthlydividends #dividendetfs #passiveincomeplan #jepi #schd #plty #creatorsearchinsights best dividend etfs to buy right now $SCHD $PLTY $JEPI best dividend etfs to buy right now $SCHD $PLTY $JEPI"
TikTok Link 2025-05-31T06:20Z 18.9K followers, [----] engagements

"this is a clip from our live we go over credit financing and investing daily. if youre serious about leveling up your financial game this page is for you. follow + turn notifs on. 📲 #tiktoklive #livehighlights #crediteducation #investingtips #dailyfinance #creditgrowth #financetok #moneytalk i go live daily breaking down credit 💳📈 i go live daily breaking down credit 💳📈"
TikTok Link 2025-06-05T21:47Z 19K followers, [----] engagements

"most people still dont understand how amex charge cards report or affect credit scoreheres the facts. ive used mine for over [--] years and heres the truth behind all the comments. #greenscreen #creatorsearchinsights #amexgoldcard #creditfacts #chargecardexplained #creditutilization #personalfinance #amextips #crediteducation why people are WRONG about the amex gold card 💳📉 why people are WRONG about the amex gold card 💳📉"
TikTok Link 2025-06-07T04:15Z 18.8K followers, 46.7K engagements

"circle just IPOd under ticker $crcl and its already 3xd since release. blackrock wants 10% of this crypto giant. heres what really happened with the launch and why people are tracking this stock heavy right now. #greenscreen #creatorsearchinsights #circleipo #crcl #circlecrypto #usdc #blackrockcrypto #tiktokfinance #ipostocks #stocknews #cryptoipo #financialfreedom From $27 to $115 Circle IPO just shocked everybody From $27 to $115 Circle IPO just shocked everybody"
TikTok Link 2025-06-07T04:19Z 18.8K followers, [----] engagements

"Most people dont know you can request a credit limit increase with your Apple Card directly in the Wallet appno credit hit. Heres how to do it the smart way. #applecard #creditlimitincrease #greenscreen #creatorsearchinsights #creditlimitincrease #applewallet #credittips #creditgame #crediteducation How to request a credit limit increase on your Apple Card 📲 (Step-by-step) How to request a credit limit increase on your Apple Card 📲 (Step-by-step)"
TikTok Link 2025-06-30T18:42Z 18.5K followers, 52.7K engagements

"Microsoft just partnered with the Pentagon on AI tech and the stock is exploding. If MSFT isnt in your Roth IRA or brokerage this is your sign. 📈💼 #investing #microsoftstock #rothira #techstocks #aiinvesting #wealthbuilding #greenscreen #creatorsearchinsights #msft #microsoftstock #aiinvesting #rothira #stocktok #longterminvesting If you dont own Microsoft stock by now youre literally sleeping on a goldmine 💤📈 If you dont own Microsoft stock by now youre literally sleeping on a goldmine 💤📈"
TikTok Link 2025-07-04T21:24Z 18.4K followers, [----] engagements

"High limits dont deny mortgages bad ratios do. Lenders care about utilization DTI and payment history. If your limits are high and balances are low that can actually help your profile. #mortgageapproval #creditscoretips #debttips #financialliteracy #moneytruth Limits Denial Myth: Big credit limits = mortgage denied ❌ DTI 3643% A high limit with a $0 balance doesnt raise DTI at all. On-time ✔ Maxed ✖ New accounts spree ✖ $80000 limit / $800 balance = 1% ✅ $5000 limit / $3000 balance = 60% ❌ Limits Denial Myth: Big credit limits = mortgage denied ❌ DTI 3643% A high limit with a $0 balance"
TikTok Link 2025-08-29T21:50Z 18.5K followers, [----] engagements

"Replying to @Rich4Credit2 Exposing the truth about Novaes so-called affiliate program. 🚫 Dont fall for credit repair MLM scams. #credit #mlm #pyramidscheme #financialliteracy #exposed ⚠ Is this a credit building opportunity or a pyramid scheme Let me show you the truth ⚠ Is this a credit building opportunity or a pyramid scheme Let me show you the truth"
TikTok Link 2025-09-15T20:41Z 18.9K followers, [----] engagements

"Is the Amex Gold Card worth it in [----] Heres how to maximize every single benefit offset the $325 annual fee and turn it into one of the best cards for dining groceries and travel. 💳🔥 #amexgold #creditcards #pointsandmiles #creditcardhacks #financialliteracy How to squeeze EVERY dollar out of the Amex Gold Card 💳🔥 How to squeeze EVERY dollar out of the Amex Gold Card 💳🔥"
TikTok Link 2025-09-27T09:53Z 18.4K followers, 16.4K engagements

"People think lenders deny you because theyre strict. No they deny you because your profile shows risk. When you build your credit the right way everything flips. They chase you they mail you offers you didnt ask for and the opportunities get bigger. Control your finances and the game gets easierbignore them and the game gets harder. #credittruth #financialliteracy #goodcreditgoodlife #moneytalks #moneytalks When youre good with your money they dont deny you. They chase you. When youre good with your money they dont deny you. They chase you"
TikTok Link 2025-11-29T21:41Z 19K followers, [----] engagements

"If you missed the live heres a preview. Tune in next time we go deep on credit & financial literacy #tiktoklive #livehighlights Tune in when I go live we talk credit money and leveling up. 👇🏾 Tune in when I go live we talk credit money and leveling up. 👇🏾"
TikTok Link 2025-12-03T09:50Z 19K followers, [----] engagements

"The space economy is bigger than rockets. Its defense satellites data and infrastructure. These are three space-related stocks that have shown strong growth this year using Charles Schwab Themes. Not financial advice just sharing what Im watching as a long-term investor. Are you bullish on space or still waiting #investing #spacestocks #stockmarket #longterminvesting #financialliteracy These space economy stocks outperformed the S&P [---] 📈 These space economy stocks outperformed the S&P [---] 📈"
TikTok Link 2025-12-23T17:55Z 18.9K followers, [----] engagements

"You got paid today and still didnt invest. Not judging just being real. If youre waiting for the perfect time to start a Roth IRA this is it. #investingforbeginners #rothira #paydayroutine #financialliteracy #moneyhabits You got paid today but you still didnt invest. You got paid today but you still didnt invest"
TikTok Link 2026-01-03T05:13Z 18.9K followers, [----] engagements

"Most people dont fail because theyre bad at something. They fail because they refuse to pivot. Dont let one goal blind you to multiple opportunities. #pivot #mindsetshift #selfdevelopmenttips #growthmindset #careeradvice A lot of people dont fail because theyre incapable they fail because they refuse to pivot. A lot of people dont fail because theyre incapable they fail because they refuse to pivot"
TikTok Link 2026-01-25T19:11Z 18.6K followers, [---] engagements

"Everyone sees panic I see opportunity. When people talk about leaving it creates space for people who are ready to build. Less noise. More visibility. More compounding. This is the best time to start what youve been putting off. Im staying. Im building. Im scaling. #creatoropportunity #buildinpublic #longtermthinking #contentcreator #maliktalksreal People leaving TikTok = your biggest opportunity. People leaving TikTok = your biggest opportunity"
TikTok Link 2026-01-30T01:09Z 18.6K followers, [---] engagements

"this penny stock was under a dollar not long ago. now its over $2.60 and looks like its ready to squeeze. track these plays if you want to catch big runs off small capital. #greenscreen #creatorsearchinsights #pennystocks #ledsstock #stockmarketwatch #investingtip #financecreator #wealthbuilding #financialtalk You might wanna stop ignoring penny stocksbecause this one just quietly tripled. You might wanna stop ignoring penny stocksbecause this one just quietly tripled"
TikTok Link 2025-05-27T19:59Z 19.8K followers, [----] engagements

"Afterpay might be convenient but it could be lowering your credit score if youre not careful. #creatorsearchinsights #affirm #creditimpact #buyoncredit #credittips #financialwarning #debtawareness #fyp #afterpay #klarna Using Afterpay It might be hurting your credit more than you think Using Afterpay It might be hurting your credit more than you think"
TikTok Link 2025-04-26T21:22Z 19.9K followers, [----] engagements

"3 reits that consistently pay passive income through quarterly or monthly dividends. these are long-term plays built for income and growth. #reits #dividends #passiveincome #greenscreen #creatorsearchinsights #reits #dividends #passiveincome #stockmarketforbeginners #finance101 #longterminvesting #creditandinvesting If youre not invested in REITs yet these [--] could literally start paying you while you sleep. If youre not invested in REITs yet these [--] could literally start paying you while you sleep"
TikTok Link 2025-05-29T08:53Z 19.9K followers, [----] engagements

"This new Coinbase One credit card lets you earn up to 4% Bitcoin back on every purchase. Perfect for crypto investors and credit card lovers. Early access open now. #greenscreen #creatorsearchinsights #bitcoinback #creditcards2025 #coinbasecard #cryptoearn #bitcoinrewards #creditandcrypto 4% back in BITCOIN Youre sleeping on this. 4% back in BITCOIN Youre sleeping on this"
TikTok Link 2025-06-16T19:16Z 19.9K followers, [----] engagements

"this card is way too good you should absolutely avoid it if you want your credit to stay where its at. satirical breakdown of why the discover student card is actually fire. #creatorsearchinsights #discovercard#discovercarditcard #creditstacking#creditstackingon #financialliteracy #satirefinance The WORST credit card you could EVER get The WORST credit card you could EVER get"
TikTok Link 2025-05-21T16:55Z 19.9K followers, [----] engagements

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