Transcript of How Creators Monetize Their Fanbase in 2026 and Beyond 🛒 E167 New

Ladies and gentlemen, welcome to a special edition of the Money Mondays podcast where we cover 3 core topics: how to make money, how to invest money, how to give it away to charity. Over the years, we've done hundreds of episodes, mostly inside of an RV motorhome, but I've never done it in someone's bed. We are doing a podcast swap here. I did Tara's podcast last year. It was one of my favorite episodes I've ever done on someone else's podcast. So I decided why have her come out to the ranch and go on to the RV motorhome? Why don't I come here to her domain, to her bed, and ask her those 3 important questions? So as you guys know, these podcast episodes are under 40 minutes because the average workout is 45 minutes. The average commute to work is 45 minutes. This episode will be between 35 and 38 minutes for your listening pleasure. Without further ado, Tara, give us the quick 2-minute bio so we get straight to the money.

Wow, that was a great introduction. Uh, 2-minute bio: I work with social media influencers. I have worked with them for about 12 years, and I'm fascinated about the internet and how to make money on the internet. And so my whole entire life I've been— or the whole entire last 12 years I've been focused on monetizing the internet. So it's who— what I surround myself with, what I'm addicted to learning, and that's what my business is about.

All right, on the make money side, how can someone that's sitting there in the middle of Oklahoma they just got their social media following going, they got their first 10,000, 20,000 followers, how can they start making money on the interwebs?

Well, my favorite thing right now is that I have, obviously you know, but I work with such big talent that has millions of followers, and their frustration is constantly that the internet has changed. And they're like, well, I don't want to post that much, I didn't used to have to post that much, I didn't have to do this before, I could just go up and do a quick dance and I went viral. And I was like, as they're complaining, the next person that has 3K followers, 4K followers, is consistent and is going and is just utilizing all avenues, posting on TikTok, posting on Instagram trials, posting on Reels, and they're just being consistent. And that person is getting so many more views and growing so quickly because of the consistency. So what I've really seen now that it's a great opportunity is it really doesn't matter about how many followers you have, and it matters about your consistency and Yeah, it's frustrating to the old generation of influencers, but new generation is you can get online, you can start being consistent and utilize the value of someone's attention on you and learn how and where you're going to monetize that.

But when you're first starting out on the internet, I think you have to like fast forward about how is this going to monetize, because there's so many avenues to monetize, but it all is dependent on your niche. And then fast forward what lane can you monetize that in? So it's kind of a packed answer, but it would depend on the niche.

Let's, let's give it to people that are listening. Like, explain what your main company Unruly— the agency— explain what Unruly is.

So Unruly is a social media marketing engine behind creators to actually monetize their direct fan base. So depending on how they want to monetize, or depending on the niche that they're in, in social media, our team then puts plan and team behind them to monetize their fan base so they're not just reliant on a brand deal coming in. Because obviously, you know, in the past 10 years, social media has changed so much, but influencers previously only could make money if a brand came and sponsored them. And now it's going towards paywalls, where it's anything with ads between content, or subscriptions to get more access to you, or courses. Or there's so many different ways that you can monetize now your own fan base that are actually way more consistent revenue that allows you to scale. So once I know the niche a creator is in, then I try to sign them to one of our departments that fits their niche and helps them monetize there.

At what point, at what size of an influencer should they consider going with an agency like Unruly, or how long should they try to stick it out by themselves and try to juggle everything?

That's a good question.

Um, do you only take on big influencers that have millions and millions of followers, or do you have 100,000 followers type influencers?

So I have— I've had— I had an influencer that only had 100,000 followers, but she was being consistent. I mean, that's a lot to a lot of people, but to— when you're working in social media, it's not that much. Um, so she now has been consistent on trials. She posts like 3 trials a day, and now she's at 700K followers in less than a year. So she's very consistent. So I also like to sign certain talent that I see have traction or their, their videos stand up, stand out, and I can see that they're going somewhere. Um, but I think the biggest thing with social media that I'm really, um, I've been thinking about a lot because my little sister got on the internet not too long ago and she's blowing up so quickly. Yeah. And I was like, it's so about like your energy. That's all that matters. Like everyone wants to figure out like what is the perfect thing on social media, but it's your ability to be comfortable with being seen and not being being liked by everyone. And if you have that, then you can grow on social media. But you have to first, like, unwind the part of you that is a people pleaser and wants everyone to agree with you and wants to be understood.

Because if you want that, you kind of blend in on social media, and you're trying to explain everything, or you're trying to be liked by everyone, and you'll never stand out. So, like, a lot of times you should really just get comfortable with being your authentic self and being comfortable with not everyone liking you and not resonating with you. And that's a big step. So I have seen like people come on the internet and explode very quickly, but it's like their comfort with being exactly who they are, or like being okay with not being liked by everyone. So there's also that, there's a whole energy behind it too.

So this is something very important for you guys. It is literally impossible for everyone to like you on social media content.

Yes.

Let me give an example. Jay-Z is one of the greatest of all time. When I say that Half of you might think I'm wrong. This president, half people hate him. This Kardashian, half the people hate them. When I say half, I'm talking about hundreds of millions of people think that she sucks and he's evil and this person did that and that person did this and conspiracy theory that no matter what they do, household name, Beyoncé, Jennifer Lopez have haters, haters and trolls no matter who they are. I could keep going on every major celebrity, politician, athlete, business mogul. I talk about Michael Jordan. To me, that's the greatest NBA player of all time. And you might be like, Michael Jordan sucks compared to this person, this person, this person. So we have to get past the mental part of it. Nothing you do will make everyone happy and you don't have to. Not everyone's going to be your cup of tea, but people that don't like you, I pinky swear they're actually your fan.

Yeah.

All right. So why did you decide to start Unruly? Why did you start the site? Why did you decide to start an agency to begin with?

I want to touch on what you just said. So, so impactful. My little sister came to me when I was like, um, on a trip, and she called me and she's like, people are making fun of me at school, like they're clipping me. And I was like, what's clipping? It's like a new thing for kids. They'll like take a screenshot of your face in the middle of your talking and making a weird face, and then they add it like a little basically GIF, like an emoji, cutting your— a photo of your face and commenting on it. And then I was like— and then she's like, yeah, and they made fun of me. And I— and I was like Anyone that is taking the time to clip you and hate on you is a fan, like you said. And one of another person obsessed with you.

Yeah, how much time and energy it takes to do what you just said, take someone's image and add little bubbles and comments like, oh my God, you're obsessed.

Exactly. And I was telling her, like, I didn't have a me back when I was her age, but I was— I explained it and I shaped it for her. I'm like, anyone that is taking the time out of their day— so now she sees it and she's like, you're right. So now she keeps going. But I can imagine how many people don't have that ability to think that way or have that mentality or have people around them that keep them inspired and they quit or they let themselves down even in their career. If they're doing something, they hear one negative comment and then they go and retreat. So it's just so interesting that it happens in all areas. But another person that's growing really quickly on the internet also told me, they were like, I leave the hate comments and I leave anything negative because I want people to talk in the comments.

Sure.

You leave them.

That's how the engagement happens.

Yeah, like if everyone— like, it's— then everyone's talking back to each other and it's growing your video. He got like completely comfortable with people not liking him, and the people that like him will like him, and people that don't, don't. It's like, that's a hard thing to do. What I'm wavering with, which I'm curious with you— well, you're so beyond successful at this point. So what I have a hard time with is I'm still like, I've had my business for 7 years, I still have so much more I want to build. I have this podcast myself. I have a hard time with— I, I'm very, very much my authentic self, but there's still a part of me that there's certain things that I feel like I can't say because I own a business. And that is kind of true. There's no other way to look at it.

It is true. So I tell influencers, and here's why— not just influencers, but business people, people that have a following or have a presence or a power There are certain things that you do not talk about because no matter what you do, people are gonna be mad at you and you can never change their minds. Race, sex, and religion. When in politics, that's obvious.

Yes.

Let me give you an example. If we went into that closet and I took someone that loves Trump and the other person loves Biden and I put them in there for 2 hours, nothing, and I mean 0%, would change that they walk out of that door like, you know what, you're right, I like Trump too. Never. Not 1 out of 100, not 1 out of a million. It's just never. If I put someone who's Jewish and Muslim in there and they go argue and talk it out, whether it's 1 hour, 1 day, or 1 year, they're never coming out like, you know what, I'm switching to Judaism. Never. Not 1 in a million times. So when you talk about those things, can you talk about it from yourself? For sure. If you want to talk about your politics, your views, or your religion, go for it. But if you try to argue with people and tell them that they are wrong about their religion, or they're wrong about their politics, nothing you can do is going to change their minds about it. When you start to dive into those, those topics, the people that agree with you can't agree with you anymore.

They're capped, right? Boom. They can't— they agree with you 100%. I like that. Republican, Democratic, Jewish, Christian, whatever the thing is, boom, they agree with you. People that don't agree with you will never agree with you. Why do you want to fight that fight? You can't win the fight. You're going into a battle with hundreds and hundreds of people that have their little BB guns pointing at you, and you can't win because you'll never change their minds. And so I know sometimes you're like, ah, I want to post about this situation that happened or this crazy thing that happened in the news. When you do those things, you're just causing conflict for your own mind, and nothing's going to change, unfortunately.

100%.

And so from a business person's perspective, yes, you have to avoid certain topics. Because nothing good can come from it. There's oftentimes situations arise in culture and people message me like, why aren't you posting about it? Nothing I post about is going to change the war going on overseas. I would like it for it to change for both parties. That doesn't matter.

Exactly.

And me posting about it, it's just going to cause everyone to argue about it and fight with each other, and I'm not interested in that. Well, I want them to argue about things like peptides or cryptocurrency, or is LeBron or Jordan better? For sure. Let them argue all the time. If you look at this podcast, it's literally coming out next week. If you look at my post from last week, I wrote asking people about peptides. I got hundreds and hundreds of comments, everyone arguing with each other about things I can't spell— retrostresicide— and like, I don't know what they're talking about. And they're just talking about why they should peptide stack. I'd let them argue all day. When I posted a few weeks ago about the war, oh my God, and I was asking a question just by asking a question. I didn't say what side I'm on. I didn't say anything. Thousands of comments just ripping each other to shreds and people are threatening each other. And those I delete when they start to get mean or rude at each other. I delete those.

Wow.

You're the first person ever get me to not talk about money or business on this podcast, by the way.

Sorry.

In 300— 300 episodes. Okay, back to business. So you have another sister that also creates content. And she's making dating content and giving relationship advice. Her engagement is going crazy, but also people are arguing, right? Have you talked to her about her thoughts on it?

Yeah, I was gonna say, for her specifically, is like the next step for that is to make money on either going live, like on Twitch, TikTok, so forth, and making a dating course. Because like, if you're in a dating niche, these are the obvious ways to make money, or making your own book. Um, but yeah, she's gotten comfortable. Initially, when she wanted to start making content, she actually blocked a lot of her friends. She unfollowed a bunch of them, certain friends. I'm like, you're just gonna block them? They're gonna think you were in a fight. I was like, you didn't tell them? She's like, it's fine, look, by the time they notice, whatever. I'm like, some people are not even gonna ask you, they're just gonna assume you're mad at them.

Whatever, you can just mute them, by the way.

But she didn't want them to see her Instagram posts.

Yeah, you can reverse mute or they don't see your stuff. Really? I'll talk about it. Wow, that's a great one.

But yes, a lot of times, well, I— at the end of the day, what we're realizing is the internet is growing so quickly. Same with AI. All these things are happening so fast and there's so many ways to make money on the internet currently. And another thing I was talking about earlier was depending on the way you look at the world is what you're going to see. So if you constantly wake up every day and you're starting to like say to yourself, there are so many ways to make money, holy shit, there's so many ways to make money, you'll start to be aligned with people coming to you randomly and saying, hey, I can— this is something that happened to me the other day. Some guy was telling me about how he's made millions of dollars making like those videos on YouTube where it's like a fireplace and it's just, you know, some people like put that on on the holidays. They'll just put the fireplace on and it's not because they don't have a fireplace, right? He's making millions of dollars a year by making these like little things that people just play for hours.

There's so many unique ways to make money on the internet, but it's once you start to really believe that, think that. So you could even be in a place where you want to be talent in front of the camera, or you can be completely not and figure out ways to make money on the internet. It's the most valuable thing, I think.

So, so Unruly is known as one of the biggest agencies. You guys throw the biggest events. For sure, the Halloween party has owned the market in the live event space. Talk us through why an agency that's focused on OnlyFans here, creators here, bringing in revenue for brand deals, throwing events at Coachella and everywhere in between Why did you decide to throw these big huge events, especially the Halloween events?

I think that what I really quickly got into the industry was obviously figuring out a way to build a brand. I've always known that having a brand is more valuable than anything else, um, because when you're a known brand you can mold and shape and do other things because people recognize your name. And so I always think about the first time that When Snapchat came out, people looked at it as a nudes platform, like to send nudes and it gets deleted. And now it's the most kid-friendly, PG. Kids are allowed to have Snapchat, but they're not allowed to have Instagram. And so it's all about like, once you become known, you can transform and change the way people look at you. You can come from one thing into another, but the hardest thing to do is to become known and become a name. But to build a brand, you have to build a message behind what you're doing. It needs to like stand alone and be its own personality. So unruly is all about like breaking the normal and doing things the untraditional route. OnlyFans, very triggering to people. That's a huge part of my business is helping creators monetize on OnlyFans.

It's doing something completely opposite than anyone accepts. But since then I've created so many other avenues to making money. I think that. On the internet. What I liked about OnlyFans from the beginning that I saw was I helped creators in so many different ways monetize. But when you're creating like your own product, there's only a very small amount of your fan base that would monetize for a hairbrush or a new shampoo. No matter how many times you promote it, there's only a very small percentage of your audience that's going to convert. When I saw the OnlyFans platform, I was like people can pay to talk to you. People could pay to see the inside of your house. And so people look at it as sexual and they get triggered, but I saw it as an opportunity to have more access to you. And that was the only platform at that time that existed as a paywall to get more access. So I helped creators set up, a lot of them without even doing nudity, but just to get more access. Because I was like, okay, if a creator launches on a platform where people can pay to get access to them There's 100% of their audience that is following them for them.

So how big of that percentage are actually going to convert to get more of them? A lot more than would buy a hairbrush. So that's when the light bulb went off and I was like, holy shit. So I put my marketing background and all the other, um, ways I've monetized into this platform and built a team behind that. And it exploded on the internet and we launched at the right time. We were the first company in the space to help creators in that lane, especially because it was taboo. Since then, I've brought in so many other revenue streams— some Snapchat monetization, podcasting, um, TikTok, multiple other paywalls that are completely brand friendly. And so I've really expanded since then. But the reason why I throw the events is because it's all about creating the name in the community. But it's so exciting because there's times I've gone to like other countries. Like, I went to Dubai and I've said Unruly and people are like, you're— that's Unruly? Like, people around the world have heard about it. So it's like really great to know. But I think that all comes from building community around your brand.

And now the smartest brands know that. I think the first brand on the internet that really created community was Revolve, in my eyes, because they did the trips and so forth. It was more than just the clothes. It's like, what does it mean to be a part of Revolve. And since then, all these brands have realized they need to start creating culture around their products. Like, you should be the cool one to get because that's more valuable than anything else, right? Like, once you're like a cool— once you're cool, there's no value on what you cost, right?

And you can't buy cool.

Yeah, you can't buy cool.

Plenty of brands try. Yeah, plenty of brands go to Coachella that are not cool, and they'll never be cool. They can book any artist they want, they're still not cool.

I know, cool is an interesting one. I feel like I can make someone cool, but you can't make someone cool that doesn't understand what cool is either.

From a brand perspective, you have hundreds and hundreds of influencers under Unruly that have hundreds and hundreds of millions of followers. And so as they're posting, as they're talking, as they're traveling, as they're just living their lives, naturally the Unruly brand is being built because it's part of who they are. It's right, that's their management firm that they work with. That's— and when they go to the events and you've got 2,000 influencers there and they all get their cameras out because you've got Tyga or whoever's performing on stage, 2,000 influencers times that by a million followers, 100,000 followers, anything times 2,000 is a lot, right? And so sometimes we don't even realize how big the brand is because you're like, wait a minute, I've done that party year after year, 2,000 people, 2,000 people, 2,000 people, and they all posted for like 4 hours a night. And then they posted their pictures the next day, then they posted a recap 3 days later, and like you ended up with tens of thousands of posts about your party, you know. And think about the math on that when you've got hundreds of influencers and thousands of people that attended posting tens of thousands of times.

And then also on top of that, even though this isn't as big, but people talking about it as leading up, the amount, the amount of people that are talking about it in LA, like, how do I again get in, right? Are you going? Like that's even just the word of mouth.

Yes, for sure. Okay, these influencers start making money, and some influencers are making $10,000 a month, $50,000 a month. You have influencers making hundreds of thousands of dollars a month, and some of them making millions of dollars a month. Have you ever had to have like the heart-to-heart talk with them about investing their money and not going broke like a lot of athletes have gone through?

I try to not get involved. I try to not give financial advice. It's like the political thing to say. Um, I like always recommend that they should get like a financial advisor, but I don't recommend a certain one, and I don't go into like how they should invest their money. I have like thought about it, but I don't have a— obviously the licensing and all that stuff to do it. But at the end of the day, I think that no, I'm not having that conversation in the depth that I should. That's just the reality.

Well, it's a lot of sports agents don't either, right? They get these athletes, they get a 19-year-old kid Yesterday there was a big draft yesterday. A kid's going to get like $50 million, $100 million. Someone has to have a talk with them. It doesn't necessarily have to be you, but it is something that's happening now that you are creating hundreds of millionaires. And what happens next year? And they make another million. And then 3 years from now they're still with Unruly and they made $4 million and they're with you 10 years from now and you've got them a Snapchat deal, a TV deal, a podcast deal, a brand deal. They got the clothing brand and some of your influencers are making $10, $20, $30 million. Again, it's not necessarily for you. It's not your, not your job necessarily, but it is something that is accumulating because you were creating so, so much wealth amongst your crew.

I think the biggest, the hardest thing about creators, um, and even athletes and these people is like when they're not going after— when they're going after more of like creative and passion and they're not focused on any like business stuff communicating to them where they should put their money sometimes is hard. Sure. Like, because they don't even— a lot of them don't even fully understand the, the basic fundamentals of running a business. And so that also helps you with understanding, like, how to understand money. So also, like, it's like such a new language for them. So it's always just dependent on the creator. And at the end of the day, yes, I will always say to them, like, if they ask me, like, what should I do with my taxes, or what should I do with this, I always just be like, you should definitely get a financial advisor. That person is going to help you with all this. So I do recommend it, but I don't help them in detail. And I think some of them do it and then some of them don't and just assume that they're going to make this type of money forever, right?

Yeah. The whole point of the Money Mondays podcast is to have very blunt discussions.

Yeah.

My concern always is someone is in a category, whether it's an athlete, a musician, an influencer, or someone that's with your agency and they're just crushing it and they don't realize that at some point something could turn off. Snapchat, Snapchat gets acquired, maybe the Snapchat monetization goes away. If OnlyFans gets acquired, maybe they change how it's done or how the execution is. If AI keeps getting better and better, better, something could happen in certain categories. And so having the blunt discussions about setting aside investment money, that's hard to a 22-year-old, a 28-year-old, and even a 60-year-old. It's hard to have those discussions because they're just thinking that the money is going to come in forever. That's literally what the podcast is for. I want to have blunt discussions with it. And we're— it scares me and it's frustrating when I watch household name athletes make $100 million and they need to borrow $20 grand from me because they lost $100 million. And I think about it all the time, and I have this thing inside of me because I've been doing my influencer agency since 15 years ago. The word influencer didn't exist. I was driving around these streets of LA, down below where we're at right now, dropping off Fit Tea and Fashion Nova that, you know, yeah, the first brands of our time.

Yeah, on the internet.

And I'm showing up to Amber Rose's house with $20,000 in cash I twisted into roses and asking her to post about Fashion Nova and Fit Tea. Like, but certain characters like that, she's now still 15 years later, crushing it, still making money, still staying relevant, still staying. But a lot of them don't. There's influencers back then, the same time.

Oh yeah, that you know where to be found.

You wouldn't know who they were if they walked in right now. Household names back then that we wouldn't know. Okay, what about you on the investing side? You built this business. Have you started considering investing into real estate, stock market, other businesses, etc.?

I'm going to— I'm like at the very beginning of going to get my own financial advisor. I don't have one. But I have like a CFO and all this stuff, so like most the money is in the company. So that's all being organized. Personally, I've invested in crypto. I have a good amount of money in crypto. I have some money in Robinhood, and I'd have like money in Rockefeller that's being invested by some like financial advisors, but no like dedicated person that I'm meeting with. Like my dream is to have someone dedicated that I meet with every month and is constantly like planning with me. Yeah, not like, oh, I'm gonna take your money and I'll, you know, make it make you money and we'll talk in like 6 months or something. You're like, oh, okay, how much percentage did it make? That's what I have now.

Got it.

Um, but yeah, no one that's like sitting with you planning your future. That's like the next step, I think. But the first step is great, is like putting your money in some investments, at least doing some, some of it. So I definitely have more than the average person of planning, but not at the level I would like to, not to build long-term wealth to be able to retire.

So I'm going to introduce you to some multiple options so you can pick and choose if you like any of them.

Yes.

One of them in particular I think you're going to like because I introduced them for Jake and he's liked them for years and they've done a lot of great investing for them. They're with one of the biggest firms in the world but are still like cool. They can still talk to you and hang out and they go to boxing matches and—

oh, that's cool—

they understand the influencer world. Okay, on the charity side, so we watch a lot of times influencers or people in general, especially athletes, start to make a lot of money but are not really sure how to get involved in charity, or they're concerned like, I don't want to just donate money, or what should I do, what charity should I be involved in? Has there been any philanthropy that you've seen like you know, I would like to support that type of charity, or I have been involved in that charity, or I want to get involved in those type of things.

I feel like the next move for me is some— at some point is a charity aspect to our business.

I love it.

And like, like helping a charity, but I more so like— I've dabbled at the thought of like changing into our events to be part of a charity. Um, but— or yeah, so I just don't— I don't know enough about that world, but obviously it's It's great, and I just don't know enough about it on how to implement it, but it is something at some point I would like to do. I think I love— we were talking about it the other day on my— on a team call. We're like, I think anything to do with like helping children, cats, dogs, animals is always an easy like neutral one that everyone loves. Yes.

So the best way to find a charity for you guys that are out there listening is it has to be something you're emotional about. Either impacted you or someone that you love. So if someone that you love had breast cancer, you will be more passionate to call people, text, post on social to get people to show up to a breast cancer awareness event because someone in your life was impacted. If someone in your life was homeless, you are more likely to go to a homeless shelter because you care about it. If your grandparents had a certain type of disease like dementia, you're more likely to care about it because they went through it. So when you think about for your life, if there's something that impacted you, from your childhood, from health, something going on with your body or health or someone in your life. You need some type of spark or passion, and it's typically going to be by someone being impacted in your ecosystem. All right. So there's only one question I ask. It's a repeat question on every single episode, and I've never gotten the same answer.

That's cool.

Would you like to have children? That's not the question.

Oh, yes.

That's not the question. Yes.

I was like, what?

You build up Unruly, you build up another company, another company, you invest in 7 other companies, then you invest in 30 other brands. You have your own VC firm, Unruly Venture Capital, and Tara becomes a billionaire one day. But at some point, hopefully it's not for 100 years from now, Tara passes away.

Mhm.

What percentage of your net worth do you leave to those children?

Wow, I've never thought about that. To my own children?

To your own children.

Oh, to my own children. I thought you meant to the children of the charity, so I'm like, wow.

No, to little Taras.

Hmm, such a good question. I have not thought about it in much detail, so I'm going to come up with it on the spot.

We'll wait.

Um, I love the idea of like money being unlocked at certain times of their life.

That's great.

Yeah, it's a big one. Um, also creating— I don't know if this exists, but creating like certain things that they need to do to unlock more.

Absolutely. So you can have benchmarks, whether it's college graduation, getting married, staying, staying married for X amount of years, just being a certain age, them having a child or having multiple children. You can make unlocks that are very clear-cut that are long after you're gone that can be done very, very professionally.

What's interesting to— okay, this is going off topic. I have to answer the question. Um, I was gonna say something else. Well, I really want to say this real quick. I met someone the other day that's one of the hardest workers I've ever met, and I didn't know, but his dad's a billionaire. And I was like, whoa, it's crazy to me because he works as if he doesn't have any money to fall back on, right? And he's going to get a lot of his dad's money, maybe. So I'm like, how did you implement that into your son? So interesting.

But anyways, we'll dive inside after you answer. 0%, 10%, 50%, 100%? What do you think, Tara?

Well, I definitely would want to— I'm not going to just give my money all to my kids, um, but I would want to unlock milestones. So there's going to be probably Probably depending on how much I have, because I would want them to be good.

Hundreds of millions of dollars.

Hundreds of millions of billions.

Yeah. Um, let me ask you a serious question before—

and also, how many kids do I have?

Tara, let me ask you a serious question. Do you think that you're gonna be a billionaire one day?

I go back and forth. So I know you have to be like 100% committed. I feel like I'm definitely going to be in the hundreds of millions. Will I be a billionaire? I would like to be, but then part of me is like, do I need to be? So I go back and forth. Yeah, you don't. No one needs to be. But I mean, billion-dollar podcast is like shooting for the stars and you land somewhere there. Um, so what do you have to sell in your soul to become a billionaire is the question I ask myself, and that's why I go back and forth. Um, but what percentage would I give to them? Probably around, off the top of my head, probably 50%, and then the other 50 would go to like things that I care about, like whether it's charities or building like schools or education or something like that.

Okay, on the, the billionaire children side of things, so there are a lot of times an unlock for the billionaire that they're not going to give their kids for many, many years, and they might be 70 or 80 years old, they might not be dying for 20, 30 years. And with modern technology and AI and the way the health system is, they might live to 120, 130, 140. Your future children are likely to live to over 120 years old.

Wow.

Any child that's born right now is likely to live to over 100 years old, and it's going to go to 120 soon. And really, it's going to be around 130, 140 will be normal, like super normal, simply because when we grew up, there was 7-Eleven on every corner, not Whole Foods and Erewhon Smoothies. There was no cold plunges and saunas and Next Health and a hospital and Equinox. None of those existed. There was no Equinox. What are you talking about? There was no Gary Breckas telling us how to breathe. Nothing existed.

Nothing.

Just 19 years ago, you didn't have a smartphone. Do you— like, we don't realize, like, nothing existed. And now trillions of dollars is getting invested into hospitals, health centers, saunas, and everything that's going on with our society. And it's finally cool to be healthy. Smoking's down, drinking's down, so many things are down. And so because of that, we are going to have children living to well over 100 years old. And with AI, many diseases will be eradicated, especially the mental diseases like dementia will not be here. Really?

Wow.

There's certain diseases that we already know that are— have been curable for 20, 30 years, but are just— it's too— that's a whole nother topic. That's trillions of dollars that go into that. Um, but if you look at someone like Magic Johnson, he got HIV 35 years ago and he is fit. He's a great, great active guy. You know, there are certain diseases that will be completely eradicated or fully manageable. And because of that, with kids living to 120, 130, 140, That's actually the opening line in my speech when I talk about investing. I walk on the stage, I say, hey guys, raise your hand if you have children. Most of the audience raised their hand. Your children will likely live to over 120 years old. Why does that matter? Well, our parents, they typically passed away at 73 to 77. Depending on your age now, it's 83 to 85, 85 for women. What if your kid lives to 106? And they want to retire at 75, they need 31 years of money saved up. What if they want to get by on $5,000 a month, not counting inflation, not counting medical expenses? Let's say they're going to have $5,000 a month for 31 years.

That is $2 million when the average American has $5,500 in their savings account. Do you guys see the difference between $5,500 and $2 million? And so I scared them. That's how I start my speech because It's reality. And we don't even realize what AI is going to be like in 20 years. We don't realize what technology would be like in 20 years because 19 years ago we didn't have a smartphone or any mobile app in the world. Yeah, nothing.

It's crazy.

If I would have told you about Uber and Postmates and DoorDash 19 years ago, you'd have thought I was a psychopath. A stranger is going to pick you up and a stranger is going to drop off your food and a stranger is going to— what? A TaskRabbit is going to come over and fix my sink? Okay. What are you talking about? Yeah. So, so because of that, that's why I'm so passionate about talking about investing. People have to invest because their children literally need to have millions of dollars, not because of bling bling, not because it's cool, for survival in the future, because they're going to live to 120. If they live to 120, we don't want them working when they're 98. That's not realistic. Even if they are healthy enough to do it. Who the heck's going to want to do that? And what's our society going to look like from an AI perspective 80 years from now anyways? Mm-hmm. Okay. The billionaire's son, oftentimes the reason they're messed up, and you know, a lot of them that might end up going to a huge spectrum of doing drugs or going to jail or getting in trouble or getting in crazy fights or being an emotional basket case because they did grow up in affluence.

They did grow up in that $40 million house. That's now $100 million, and money doesn't seem real to them. But Daddy or Mommy does not hand them $100 million when they grow up, and then it's time to go to work, and now they're just a basket case because of that. And also, oftentimes, a lot of the times I ask the question, they say 0%. Some of the wealthiest people have said 0%.

Holy shit, to their kids?

Yes. On this podcast, a lot of people have said 0%. That's like a pretty big number. I'd say almost a third. And their rationale is they didn't get handed anything and they don't want to mess up their kid. It's hard for me because I do want to obviously leave a percentage and I want to— I would love to be able to leave the whole thing outside of charity stuff to my daughter. But like, I want her to be a good steward of capital. Like, if she can manage it. I would love for her to be able to manage it. Um, and so when I hear 0%, which is a lot by the way, they also in their mind think that they would be messing up their child by doing it. That's the rationale. And so I— the reason that's the only question I ask is I want to understand the mindset of someone that's— whether they're worth $10 million, $100 million, a billion, whatever the number is, why are they saying what they're saying? Like the way Shaquille O'Neal says it is, you had to have 3 degrees to get any money from me. And he's made this line or this joke, which is— he's pretty serious about it— out there because it's like the unlock that you talked about.

If they try cross that, what do you call it, check those boxes, they can then get access to that capital. If not, good luck, go, go do you. None of us got handed it. I, I grew up without money.

Yeah.

And I wouldn't be who I was if I had money.

I know, same.

And so I think about that. What if, what if my parents did have money? I don't know who I'd be. I wouldn't be working nonstop.

Yeah, because it's so weird. It's like deep down there's a part of you that I feel, at least for myself, because I didn't grow up with parents that I had to fall back on, there's a different level of like hunger that you have for life. And anytime I felt like a little too comfortable, like I, if I really think about what it feels like to have my parent— when my parents die, I'm gonna get— become a billionaire. It kind of takes away all your passion, like, for life. You're like, I'm gonna be fine either way. Do I really want to get up and go discipline myself for what it's going to take for me to build that business? Because the level that it takes in your work ethic to go after something, and you feel completely good either way It's kind of a weird feeling.

Yeah.

I could see how people would get depressed and become a drug addict and all these things when their parents are really wealthy.

All right. Before we wrap up, explain the vision for Unruly 2026, 2027, and beyond.

I think that, well, I'm going to continue to double down on paywalls. I have for the last 6 years, but no one knew what paywalls were back then. And I think still people are trying to wrap their head around it, but anything that allows you to monetize your fan base. Is what I'm going to continue to hone in on. And then how AI is going to get implemented through paywalls is my next lane. So I'm not going to get too much into it because it's something I'm still working on. But obviously AI is not going to be able to be ignored. I think one of the things I can throw out there is to think about how a lot of influencers are going to be replaced by AI. That's something— that's a real fact.

15% of the accounts you follow right now are not human posts. I know, right now, today.

And it's only gonna go more and more. And yeah, I just want influencers to start thinking about what that's going to mean for their careers and what they should be working on next.

I also noticed that a lot of your talent, even when they're on OnlyFans, people have this immediate sexual side of it or nudity side of it, but Casey Boone's creating like food content and adventure content and martial arts content. Like, talk us through for one minute before we go about the fact that OnlyFans is not only for that type of content, you're creating a lot of other types.

Yeah, so OnlyFans is triggering to people because I think the reason it does well is because it's taboo. And so a lot of— I remember back when I started, um, working with creators on OnlyFans, I knew it was like such a bad thing to say, but really at the core of it, it's just a paywall that allows you to unlock to get access. And so you can create so many variations of content that people would be interested to see. Like, like I said, if you're posting on social media like you're moving to Miami like Casey did, and she has fans that love her that have been following her whole life, she can make like a personal video to a fan to be like, hey, this is— I just got to my house, this is my room, this is what it looks like, this is what I went through today, and like really share connection with their fan base and certain fans individually. And fans will pay for that access and that connection, because why else would someone that has millions of followers take the time to talk to you? They have, you know, their own life, their own friends, and they have millions of followers.

So you can pay to get that connection, just like someone would pay to get like mentorship from a business owner. And so people are slowly starting to change their way of looking at it. And I think other platforms have came to compete with OnlyFans, like FanFix. FanView, Passes. There's so many that are popping up to compete with the market that are doing it in a brand-friendly way because of the knowing that you don't have to be as explicit as people think you do to make money.

So where can people follow you on social, follow the company, etc.?

Yeah, so my Instagram is Tara Electra and my podcast is Billion Dollar Baby with an IE on baby. And yeah. Thank you for having me. You're the best.

So as you guys know, these podcasts are not just for you. It might be for someone from your past, present, and future. It might be a friend, family, or follower that you hear something like, wait a minute, Tara said this, or she said that, or Dan said this. And you could forward this podcast a week from now, a month from now, a year from now. That might help that person in their life. Appreciate you guys. Make sure to talk about money with your friends, family, and followers. And we see you guys next week here at themoneymondays.com.

00:42:15

[MUSIC]