How Creators Monetize Their Fanbase in 2026 and Beyond 🛒 E167

27 Apr 2026 · 42 min · 17 chapters

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In short

How creators monetize fanbases in 2026+ using consistency, niche-based paywalls, and agencies/events; plus mindset on hate, controversial topics, investing, and charity.

Guests

Tara Electra, a social media influencer marketing professional with ~12 years’ experience. She founded/operates Unruly, a social media marketing engine that helps creators monetize direct fans via paywalls (including OnlyFans) and other revenue streams, and runs major live events (notably Halloween parties; also events tied to Coachella and global travel).

Key claims

Follower count matters less than posting consistency across TikTok/Instagram Reels/short-form. Monetization should be planned around niche. Hate/trolling is unavoidable; “not being liked” can correlate with engagement. Avoid arguing over race/sex/religion/politics for business stability. OnlyFans is framed as a paywall for access/connection, not just explicit content. Creators should set aside investment money because categories/platforms can change.

Notable examples

A 100k-follower influencer grew to ~700k in under a year by posting ~3 Reels/TikToks daily. Celebrities (Jay-Z, Kardashians, Beyoncé, etc.) have haters. Unruly events: thousands of influencers posting recaps, generating tens of thousands of posts.

Written by AI. May contain mistakes. Listen to the episode to check what was said.

Chapters

Tap a time to open that second in VO

Tara's Background and Monetization Insights

0:45 to 2:59

Tara shares her experience with social media influencers and insights on monetizing content.

“Without further ado, Tara, give us the quick two-minute bio so we get straight to the money.”

The Importance of Consistency in Growth

2:59 to 5:57

Discussion on how consistency in posting can lead to faster growth for influencers.

“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.”

Understanding Niche and Revenue Models

5:57 to 8:13

Exploration of different revenue models for creators based on their niche.

“I could keep going on every major celebrity, politician, athlete, business mogul.”

Navigating Hate and Building Resilience

8:13 to 11:10

Tara emphasizes the need for creators to handle negativity and stay authentic.

“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.”

Influencers and Sensitive Topics

11:10 to 13:08

Discussion on the risks of discussing sensitive topics in public platforms.

“People message me like, why aren't you posting about it?”

Opportunities in Monetization and the Future

13:08 to 14:00

Insights into how influencers can create revenue streams and adapt to changes.

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

Monetizing Creativity: The Power of Branding

14:00 to 17:34

Learn how building a brand can transform creative ventures into profitable opportunities.

“And it's just, you know, some people like put that on on the holidays.”

Navigating Wealth in the Influencer Economy

17:35 to 21:34

Discover the challenges influencers face in managing newfound wealth and the importance of financial literacy.

“some Snapchat monetization, podcasting, TikTok, multiple other paywalls that are completely brand friendly.”

The Need for Financial Guidance

21:35 to 22:46

Understand the importance of financial advisors for influencers and creators to secure their wealth.

“That person is going to help you with all this.”

Charity and Community Impact

22:47 to 27:04

Explore how influencers can engage with charitable causes and the emotional connections that drive involvement.

“the money, money is podcast is to have very blunt discussions.”
Show all 17 chapters

Unlocking Wealth for Future Generations

28:00 to 30:14

Explore how to structure wealth to teach financial responsibility to children.

“a repeat question on every single episode and I've never gotten the same answer.”

The Reality of Billionaire Inheritance

30:14 to 31:35

Discuss the complex decisions around passing on wealth and the implications for children.

“Let me ask you a serious question before you answer.”

Longevity and Financial Planning

31:35 to 33:59

Understand the impact of increased lifespan on financial needs and retirement.

“On the billionaire children's side of things.”

The Burden of Wealth on Children

33:59 to 37:08

Examine how inherited wealth can affect children's motivations and behaviors.

“And we don't even realize what AI is going to be like in 20 years.”

Future of Monetization for Creators

37:08 to 39:35

Insights into the evolving landscape of creator monetization and AI's role.

“Before we wrap up, explain the vision for unruly 2026, 2027 and beyond.”

Beyond Taboo: The True Potential of OnlyFans

39:35 to 41:26

Discover how OnlyFans is not just for adult content but a platform for diverse creators.

“And it's only going to go more and more.”

Final Thoughts on Money Conversations

42:00 to 42:15

Learn the importance of discussing money openly with your community.

“podcast a week from now, a month from now, a year from now that might help that person in their life.”
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Transcript

Automatic transcript. May contain errors.

0:05Dan Fleyshman:Ladies and gentlemen, welcome to a special edition of the Money Mondays podcast where we cover three 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 three important questions.

0:36Dan Fleyshman: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 two-minute bio so we get straight to the money. Wow, that was a great introduction. Two-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.

1:10So it's what I surround myself with, what I'm addicted to learning, and that's what my business is about. All right.

1:16Dan Fleyshman: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 as 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.

1:48And 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.

2:33But 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

2:54Dan Fleyshman: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 a 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.

3:45So 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.

3:54Dan Fleyshman: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. 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 a hundred thousand 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 three trials a day and now she's at 700k followers in less than a year um 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.

5:02That'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 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 it 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.

5:38And 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.

5:51Dan Fleyshman: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 that beyonce jennifer lopez have haters haters and trolls no matter who they are.

6:25Dan Fleyshman: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 decide to start an agency to begin with wait i want to touch on what you just said 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.

7:52But 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, you know, let themselves down even in their career. 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.

8:24Dan Fleyshman:You leave that. 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 seven 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.

9:09There's no other way to look at it.

9:10Dan Fleyshman: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 going to 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 two hours nothing and I mean zero percent would change that they walk out of that door like you know what you're right I like Trump too never not one out of a hundred not one of a million just never if I put someone who's Jewish and Muslim in there and they go argue and talk it out whether it's one hour one day or one year they're never coming out like you know what I'm switching to Judaism never not one in a million times so when you talk about those things can you talk about it from yourself for sure if you're 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 that 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 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 a hundred 100%.

11:00Dan Fleyshman: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. People message me like, why aren't you posting about it? Nothing I post about was going to change the war going on overseas. I would like it to change for both parties. That doesn't matter. Exactly. And me posting about it is just going to cause everyone to argue about it and fight with each other, and I'm not interested in that. would 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 is 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 retrospective side 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.

11:56Dan Fleyshman: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. Wow. Just ripping each other to shreds. And people were 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 to ever get me to not talk about money or business on this podcast, by the way. Sorry. In 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.

12:49Um, 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 going to block them. They're going to think you were in a fight. I was like, you didn't tell them. She's like, it's fine. By the time they notice whatever, I'm like, some people are not even going to ask you. They're just going to assume you're mad at them.

13:08Dan Fleyshman:Whatever. 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. Oh, wow, that's a great one. But yes, a lot of times, well, 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 say to yourself, There are so many ways to make money.

13:44Holy 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. 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.

14:19So 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.

14:31Dan Fleyshman: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 only fans 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 because when you're a known brand you can mold and shape and do other things because people recognize your name.

15:12And 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 to get 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.

15:49So 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.

16:34when 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. Cause 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.

17:08So 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 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're 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, TikTok, multiple other paywalls that are completely brand friendly.

17:46And 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 and you can't buy cool yeah you can't buy cool plenty of brands try yeah plenty of brands go to coachella they're not cool and they'll never

18:47Dan Fleyshman:be cool no they can book any artist they want they're still not cool i know say 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 so 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 tiger whoever's performing on stage 2 000 influencers times that by a million followers 100 000 followers time anything times 2 000 it's 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 four hours a night and then they posted their pictures the next day then they posted a recap three days later and like you ended up with tens of thousands of post 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 was leading up the amount the amount of people are talking about in la like how do i again get in right are you going like even just the word of mouth yes for sure okay these influencers start making money and some influencers are making 10 grand a month, 50 grand a month.

20:19Dan Fleyshman: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. 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's a big draft yesterday a kid's going to get like 50 million 100 million dollars 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 three years from now they're still with unruly and they made four 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 dollars 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 the 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 it's 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 feel like you should definitely get a financial advisor.

22:35That 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.

22:45Dan Fleyshman:Yeah. The whole point of the money, money is 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 only fans 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's 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 it scares me and it's frustrating when i watch household name athletes make a hundred million dollars and they need to borrow 20 grand for me because they lost a hundred million dollars and i think about 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.

24:01Yeah, the first brands of our times on the internet.

24:05Dan Fleyshman:And I'm showing up to Amber Rose's house with$20 ,000 in cash. I twisted into Rose's asking her to post about Fashion Nova in 50. 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 at 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. So, okay. What about you? On the investing side, you built this business. Have you started considering investing into real estate, stock market, other businesses, et cetera?

24:39I'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 of 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 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 six months or

25:20Dan Fleyshman:something you're like okay how much percentage should 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 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?

26:23Dan Fleyshman: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 and like helping a charity. But I more so, like I've dabbled at the thought of like changing into our events to be a 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.

27:04I 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.

27:15Dan Fleyshman: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. It's 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 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.

Read the full transcript

28:11That's cool.

28:13Dan Fleyshman: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 seven other companies and 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. 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.

28:55So I'm like, wow.

28:57Dan Fleyshman:It's a little Tara's. 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. I love the idea of like money being unlocked at certain times of their life. That's great. Yeah. It's a big one. 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 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.

29:37Dan Fleyshman:That can be done very, very professionally. What's interesting to, okay, this is going off topic. I have to answer the question. I was going to 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. 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 zero percent ten percent fifty percent a hundred percent 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.

30:32Dan Fleyshman:Hundreds of millions of dollars. Hundreds of millions of billions. Yeah. Let me ask you a serious question before you answer. And also how many kids do I have? Tara, let me ask you a serious question. Do you think that you're going to 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 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%.

31:23And then the other 50 would go to things that I care about, whether it's charities or building schools or education or something like that. Okay.

31:35Dan Fleyshman:On the billionaire children's 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 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 it'll 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 an equinox.

32:25Dan Fleyshman: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. We don't realize 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 well 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 it's trillions of dollars that go into that um but if you look at someone like madrid 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 then we want to retire at 75 they need 31 years of money saved up what if they want to get by on five grand a month not counting inflation not counting medical expenses let's say they're gonna have five grand a month for 31 years that is two million dollars when the average american has fifty five hundred dollars in their savings account do you guys see the difference between fifty hundred bucks and two million and so i scared them that's how i start my my speech because Because it's reality.

34:35Dan Fleyshman:And we don't even realize what AI is going to be like in 20 years. We don't realize what technology will 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 would 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 task rabbit is going to come over and fix my sink? Okay. What are you talking about? Yeah. so because 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 can look like from an ai perspective 80 years from now anyways okay the billionaire 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?

36:21Dan Fleyshman:yes on this podcast a lot of people have said zero percent 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 zero percent 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 got to have three degrees to get any money from me's and he's made this line or this joke which is pretty serious about it um out there because it's like the unlock that you talked about if they 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 non-stop 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 just 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.

38:41Dan Fleyshman: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 six 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.

39:19I 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.

39:29Dan Fleyshman:15 % of the accounts you follow right now are not human posts. I know, already. Right now, today. And it's only going to 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.

40:05Dan Fleyshman: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 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 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's has millions of followers take the time to talk to you.

41:02They 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.

41:36Dan Fleyshman:So where can people follow you on social, follow the company, et cetera? 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 were here 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.

42:08Dan Fleyshman:Appreciate you guys. Make sure to talk about money with your friends, family, and followers. And we'll see you guys next week here at themoneymondays.com.

From the publisher

In this episode of The Money Mondays Podcast, host Dan Fleyshman sits down with Tara Electra, founder of Unruly, for a deep dive into the modern creator economy, internet monetization, and the future of influencer income.

Tara shares how creators can start making money online even without millions of followers, why consistency and authenticity matter more than ever, and how agencies like Unruly help talent turn direct fan attention into scalable revenue. Dan and Tara also discuss paywalls, OnlyFans, brand building, creator events, AI’s impact on influencers, and why creators need to think beyond short-term cash flow and start planning for long-term wealth.

The conversation expands into investing, financial advisors, philanthropy, inheritance, and the mindset required to build lasting success while staying true to yourself online. Tara also breaks down why fan access, community, and culture are becoming some of the most valuable assets in business today.

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