Erin Talks Money: Personal Finance for Real People

Erin Talks Money: Personal Finance for Real People

May 7, 2026 · 49 min · Episode 109

About this episode

Erin Moriarity shares her journey to financial independence and discusses personal finance strategies.

Erin Moriarity, creator of the Erin Talks Money YouTube channel, joins Steve Chen to share the personal story behind her passion for financial independence — from investing at age eight alongside her Depression-era grandmother to watching her mother lose financial control through a difficult divorce. Now reaching over 340,000 subscribers, Erin breaks down her philosophy that most people should DIY their finances well into their 50s, how to build a retirement income plan anchored by guaranteed income floors, and why she's fiercely selective about partnerships. The episode wraps with a candid conversation on AI — how she's using it in her business, her content, and even to manage her own health.

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