#1

Explainers on 401(k), index funds, HSA, Roth mechanics

Finance · low saturation · 365-day half-life

Profit score65.1
Estimated RPM band
$19.5–$39.0 / 1K views

Highest CPM category; evergreen concepts; voice + chart + stock b-roll carries the format without a host face.

Score components

  • View velocity0.05
  • Saturation inverse0.86
  • CPM proxy0.74
  • AI generability0.88
  • Longevity0.90
  • Cross-platform portability0.95
  • finance
  • personal-finance
  • investing
  • explainer
  • education

Production cheat sheet

Narrative explainer · 55s recommended

Script structure

Hook
Open with a question that reframes Explainers on 401(k), index funds, HSA, Roth mechanics as something the viewer thought they understood.
Body
Three beats: the setup, the pivot, the underlying mechanism. ~8 seconds each.
Payoff
Close with the one sentence a viewer repeats to a friend.

Visual sources

  • AI-generated: chart + dashboard overlays
  • Stock: trading-floor / office b-roll
  • Licensed: earnings-call / press-conference frames (fair-use)

Voice tone

Measured, credible, slightly formal. ElevenLabs 'Adam' at stability 0.65 / similarity 0.8. Disclaimers required.

Cross-platform

Publishable unchanged on TikTok, YouTube Shorts, and Instagram Reels.

Saturation context

Very low saturation; clean opportunity for a new voice.