Charli D’Amelio posted her first TikTok at 15. Fast-forward a few years and she’s earning millions from brand deals, appearances, and her own fashion lines. Addison Rae has a Netflix movie and endorsements worth eight figures. Bella Poarch, Khaby Lame, and Dixie D’Amelio are raking in seven-figure deals. And MrBeast? He reportedly made more than $80 million last year.
It’s easy to scroll past these numbers and think: “Yeah, but that’s not me.” True. Most of us aren’t landing Dunkin’ sponsorships at 16.
But here’s the thought experiment: what if you treated their paychecks like a financial experiment—investing the same amount instead of spending it? How much could compounding grow your wealth over decades?
From Viral Fame to Real-Life Numbers
Reported annual earnings (approximate):
- MrBeast – $82 million
- Charli D’Amelio – $17.5 million
- Addison Rae – $15 million
- Bella Poarch – ~$5 million
- Khaby Lame – ~$4 million
- Dixie D’Amelio – ~$3 million
Way out of reach? Sure. Let’s shrink it to something relatable:
- Median TikTok creator – ~$15,000/year
- Every day young adult – maybe $300/month to invest
The Power of Investing
If you invest consistently at 10% annual growth, here’s what your money could look like by age 65 if you started at 20:
| Who / Monthly Investment Equivalent | Value at 65 | Notes |
|---|---|---|
| Every day Young Adult – $300 | ≈ $1.9 million | Small but consistent habit builds wealth |
| Median TikTok Creator – $1,250 | ≈ $8 million | Even modest creator success adds up |
| Average TikTok Creator – $5,000 | ≈ $32 million | Full-time creators could reach this if consistent |
| Bella Poarch / Dixie D’Amelio Tier – ~$35,000 | ≈ $224 million | High earners with brand deals & merch |
| Addison Rae Tier – ~$100,000+ | ≈ $640 million | Big deals, big reach |
| MrBeast Tier – ~$6.8 million | Trillions+ | Astronomical, but a fun anchor |
Why This Matters
Most people think wealth is only for the famous—or for people who “get lucky.” That’s not true. The real power comes from time, consistency, and compounding.
Here’s what this experiment teaches us:
- Start small, start now. Even $300 a month adds up over decades. Waiting for the “perfect moment” just delays your results.
- Consistency beats perfection. You don’t need a windfall or viral paycheck—regular, steady contributions are enough.
- Time is your superpower. The earlier you start, the more the snowball grows. Even modest investments in your 20s can turn into millions by 65.
- Your goals don’t need to be viral fame. Replace “influencer earnings” with your dream: a house, financial freedom, early retirement, or a worry-free future. The math works the same.
Final Word
You don’t need to post TikToks or sign sponsorship deals to secure your future. The lesson isn’t about the millions influencers make—it’s about what regular people can do with regular money, consistently invested over time.
Start today. Even a small monthly investment grows faster than you think. By 65, you won’t need a billion-dollar brand deal to feel financially free—you’ll have built your own security, independence, and options.
Think of this as your personal “viral moment”: instead of likes or followers, your reward is a life where money works for you.
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And if you’re ready to explore further, check out our newsletter rankings below to see which service can guide your next steps.
Ranking of Top Stock Newsletters Based on Last 3 Years of Stock Picks as of November 29, 2025
We are paid subscribers to dozens of stock and option newsletters. We actively track every recommendation from all of these services, calculate performance, and share our results of the top performing stock newsletters whose subscriptions fees are under $500. The main metric to look for is "Return vs S&P500" which is their return above that of the S&P500. So, based on November 29, 2025 prices:
Best Stock Newsletters Last 3 Years' Performance
| Rank | Stock Newsletter | Picks Return | Return vs S&P500 | Picks w Profit | Max % Return | Current Promotion |
|---|---|---|---|---|---|---|
| 1. |  Alpha Picks | 87% | 61% | 76% | 1,571% | December Promotion: Save $50 |
| Summary: 2 picks/month based on Seeking Alpha's Quant Rating; Retail Price is $499/yr. See complete details and analysis in our Alpha Picks Review. | ||||||
| 2. |  Zacks Value Investor | 53% | 35% | 46% | 756% | December Promotion: $1, then $495/yr |
| Summary: 10 stock picks per year on January 1st based on Zacks' Quant Rating; Retail Price is $495/yr and includes 6 different services. Read our Zacks Review. | ||||||
| 3. | Zacks Top 10 | 36% | 15% | 70% | 170% | December Promotion: $1, then $495/yr |
| Summary: 10 stock picks per year on January 1st based on Zacks' Quant Rating; Retail Price is $495/yr and includes 6 different services. Read our Zacks Review. | ||||||
| 4. |  Moby.co | 52% | 13% | 73% | 2,283% | December Promotion: Next pick free! |
| Summary: 60-150 stock picks per year, segmented by industry; Retail Price is $199/yr. Read our Moby Review. | ||||||
| 5. |  TipRanks SmartInvestor | 20% | 8% | 62% | 513% | Current Promotion: Save $180 |
| Summary: About 1 pick/week focusing on short term trades; Lifetime average return of 355% vs S&P500's 149% since 2015. Retail Price is $379/yr. Read our TipRanks Review. | ||||||
| 6. | Dogs of the Dow Strategy | 20% | 3% | 43% | 47% | Current Promotion: None |
| Summary: Buy the 10 highest yielding dividends stocks in the Dow Jones Industrial Average on January 1st and sell on Dec 31st each year. | ||||||
| 7. |  Action Alerts Plus | 24% | 3% | 64% | 208% | Current Promotion: None |
| Summary: 100-150 trades per year, lots of buying and selling and short-term trades. Read our Jim Cramer Review. | ||||||
| 8. | Zacks Home Run Investor | 5% | 0.3% | 45% | 241% | December Promotion: $1, then $495/yr |
| Summary: 40-50 stock picks per year based on Zacks' Quant Rating; Retail Price is $495/yr. Read our Zacks Review. | ||||||
| 9. | IBD Leaderboard ETF | 11.4% | -1.8% | n/a | n/a | December Promotion: NONE |
| Summary: Maintains top 50 stocks to invest in based on IBD algorithm; Retail Price is $495/yr. Read our Investors Business Daily. | ||||||
| 10. | Zacks Under $10 | 2.0% | -2% | 38% | 263% | December Promotion: $1, then $495/yr |
| Summary: 40-50 stock picks per year based on Zacks' Quant Rating; Retail Price is $495/yr. Read our Zacks Review. | ||||||
| 11. |  Stock Advisor | 34% | 4% | 73% | 312% | December Promotion: Get $100 Off |
| Summary: 2 picks/month and 2 Best Buy Stocks lists focusing on high growth potential stocks over 5 years; Retail Price is $199/yr. Read our Motley Fool Review. | ||||||
| 10. | Stock Advisor | 34% | 4% | 73% | 312% | Current Promotion: Save $200 |
| Summary: Stock Advisor is included with the Fool's Epic Service. Get 5 picks/month focusing on disruptive technology and business models; Lifetime average return of 355% vs S&P500's 149% since 2005; Now part of Motley Fool Epic. Read our Motley Fool Epic Review. | ||||||
| Top Ranking Stock Newsletters based on their last 3 years of stock picks covering 2025, 2024, 2023, part of 2022 performance as compared to S&P500. S&P500's return is based on average return of S&P500 from date each stock pick is released. NOTE: To get these results you must buy equal dollar amounts of each pick on the date the stock pick is released. Investor Business Daily Top 50 based on performance of FFTY ETF. Performance as of November 29, 2025. | ||||||