YouTube와 재정의 균형 맞추기: 제가 여전히 정규직으로 일하는 이유

### 아직 상사가 있는 이유: 정규직과 YouTube 채널의 균형 맞추기
* 💼 성공적인 금융 채널 운영과 더불어 정규직 포트폴리오 매니저로 일하고 있는 **The Plain Bagel YouTube 채널의 Richard**가 그 이유를 설명합니다.
* 💻 YouTube를 통해 더 많은 돈을 벌 수 있는 잠재력에도 불구하고 Richard는 **자신이 열정적으로 좋아하는 분야에서 일하고 고객의 재정을 돕는 데서 성취감**을 찾을 수 있는 자신의 일을 진정으로 즐기고 있습니다.
* 🎥 그는 자신의 직업이 제공하는 **일과 삶의 균형, 그리고 회사 리서치와 고객 대면 포트폴리오 관리**를 모두 할 수 있는 특별한 기회를 소중히 여깁니다.
* 💰 Richard는 오로지 돈으로만 동기를 부여받지 않으며, **안정적인 직업 덕분에 조회수나 수익을 쫓기보다는 자신이 진정으로 관심 있는 콘텐츠**를 만드는 데 집중할 수 있습니다.
* 📈 그의 재무 배경과 업계에서의 일상 업무는 **YouTube 콘텐츠의 품질을 향상시키는 귀중한 인사이트와 리소스**를 제공하여 직업과 채널 간의 시너지 효과를 창출합니다.
* 🔮 Richard는 YouTube 금융 분야의 미래 성장에 대한 불확실성을 인정하고 **차선책으로 자신의 경력을 유지하는 것**을 선호합니다.
* 🎬 Richard는 풀타임으로 계속 일할 계획이지만, 효율성을 높이기 위해 **편집자를 고용하는 등 채널을 위한 새로운 프로젝트와 혁신**에 열려 있습니다.
* 🤔 Richard는 시청자, 특히 장기 팔로워의 피드백을 통해 콘텐츠의 발전과 일과 YouTube 채널의 균형을 맞추기 위한 자신의 결정에 대해 이야기합니다.

Richard는 열정, 만족감, 경계 설정, 두 역할 간의 시너지 효과로 인해 YouTube와 함께 풀타임 직업을 유지하고 있습니다.

hey everyone it's Richard. You're watching the Plain Bagel. A bit of a different video today. I had a gap in my scheduling, and I'm just getting over a cold. So, I figured I'll fill the space with a bit of an easier kind of one-off type video. If there's no interest in it, no worries. We'll see you in two weeks' time. But I want to touch on a topic that often comes up around the channel and that was sort of recently relevant because in June I went to my first event as a YouTuber. I've gone to a lot of fin events and conferences for my day job, but this was kind of the first thing I've ever gone to because I have the YouTube Plain Bagel Channel. It might sound shocking given the size of the channel, but I just admittedly haven't made much of an effort to get out of the house, and there's not a whole lot of stuff nearby in Canada. But recently, I was invited to

a social event hosted by Blossom, which is an investing social media app, in Toronto. And there were going to be a bunch of Canadian Finance creators, as well as some US creators attending. So, I decided to make the trip down and go to my first event as an ambassador of the channel. And it was a really fun event. I got to speak to a bunch of other creators in the space, meet some viewers in person, and I didn't get any nice photos, but I'll throw up whatever I have. And while I was there, I spoke to Adrian from Canadian in a T-shirt, who runs a solid Canadian-focused personal finance channel here on YouTube, and also a really nice guy in person. And he asked me why I still have a full-time job, and I gave him an answer. But I figured I would make a video out of it because it's something that does often come up given the size of the channel. So, thanks, Adrian, for the easy video topic. Now, for those unfamiliar in

addition to YouTube, I actually work full-time as a registered portfolio manager in Ontario. For a local Ottawa money manager, where I do both portfolio management and investment research. And for the past seven years, while working at this company, I've been sustaining the YouTube channel on basically lunch breaks, lunch breaks, some late evenings when I need to, and the occasional weekend. And because of how much the channel is growing, I'm at a point where if I wanted to, I could do this full-time. It's a really privileged position to be in, and I could even maybe make more money than I currently do if I were to, say, pump out more videos or just go full Finance personality MK this for everything it's worth and sell an ebook or something. But there are a few reasons why I haven't yet done so. And outside of just generally sharing the information, I'd be genuinely interested in people's opinion on this, because I have my own perception of things and these points. But I'd be

curious, especially if you were a longtime viewer or someone who watches a lot of other finance content, what your thoughts on these points are. So today we're going to go over the four top reasons Richard still has a boss. Now, the first point here is going to sound really cheesy, I acknowledge that, but I actually like my day job. I am a big finance nerd. The reason I started doing the channel, in part, was because I wanted to do more and speak more about finance beyond what I was already doing in a full-time finance job. So, I have a job that lets me work in an area that I'm passionate about. I do both company research on the analysis side, as well as client-facing portfolio management. I know a lot of people don't look at the finance industry fondly, but I get a lot of fulfillment out of helping people with their finances and sitting down and sorting things out. And I would hope that the channel does help with that to an extent, especially given the broad reach. But there's something more.

tangible about working with someone individually, and it's not really something I'd want to do outside of the professional capacity for reasons I've kind of touched on before. I recognize that I have a really unique opportunity with YouTube, but I also have a pretty rare type of job in the finance space. Not only is it, again, a sort of hybrid position where I get to do research in addition to working with clients, but the employer has been incredibly respectful and helpful with the channel, very supportive, good work-life balance. I also have the opportunity to even do YouTube alongside this. One of the reasons we don't have a lot of professionals on YouTube posting videos is that a lot of companies just won't let their employees do so because of the liability risk of having this side operation. So, given all that, I'm not really keen to give that up so easily. So, that's the first point is I like my day job, and I have a pretty

rare type of job in the space. Uh, the second point is that I don't know that I want to post any more content than I already do. I don't know if I would want this to be my main job. It's hard to say without uh trying it and knowing what the experience is like, but posting one video every two weeks really feels like about as much as I care to make. And really the only reason I've been able to do YouTube in addition to a full-time job is because I've always kind of weirdly treated it as a hobby. I've always really enjoyed doing video editing, um, and in University I had a teaching role, uh, which showed me that I really enjoyed doing that kind of stuff. So I really enjoyed making content for YouTube. Yes, I spend a lot of my free time, uh, making videos, uh, but I enjoy the process so it doesn't feel like work. If I were to do it full-time, however, I think it would be a lot more draining. I don't know if I have it in me to be a

full-time Creator. Even in the space of Finance, now am I open to doing more YouTube stuff and events. Of course, would I box Patrick Bole at the next Creator Clash. Absolutely. But Creator burnout is real, and I know this is finance. We're not making the most artsy productions out here, but I'm very fortunate where if I don't have the energy to make a video or discuss a given topic, I don't have to. And I have a really good balance with my full-time job, where I have the energy to make these videos, videos on the side, and then way touches on the third point, which is that because I don't have to rely on YouTube income, I'm allowed to focus a lot more on the areas that I want to focus on out of interest, rather than needing to make sure that I'm always making money with YouTube, because YouTube AdSense is incredibly volatile. Some months you make more than you ever expected, and you're on top of the world. Other months, the amount begins to dwindle, and you wonder if you made a

mistake, and if this is the end of everything you've ever built on the platform. Uh, so needless to say, it jumps around, and it's nice that when that happens, I don't have to stress, really. Um, you know, obviously, I want to see the channel do well, and I like money, but I'm able to set very clear boundaries around what I want to do and what I don't want to do, uh, because I don't have to worry about my monthly expenses not being covered if the channel doesn't do well. And to be clear, this isn't to suggest that you can't be a full-time creator and find a good balance with these things, and likewise to suggest that I'm not motivated by money. I still do sponsorships on the channel, but it's really nice not feeling a need to play the algorithm or, uh, take on a shady agreement or sponsorship or just sell stuff that I don't care to sell. And as sort of subo to that, I don't know how long the YouTube Finance gravy

train is going to keep running. I join the space at a near flawless point in time, not by any active choice of my own, but just because a few years after I started posting videos, we had Bitcoin come into prominence, and other cryptocurrencies, NFTs, the pandemic, the lockdowns, and the surge of interest and content on retail investing, GameStop in the mem stock rally, and all these events brought a lot of interest that didn't exist before into the niche of finance and investing. I don't know if the space is always going to keep growing, if in a few years from now it's going to be bigger or smaller from where it is today, so kind of on a risk standpoint, it's nice again having a solid kind of career, given the uncertainty about where Finance YouTube goes from here. Finally, the last point as to why I have a full-time job in addition to doing YouTube is that I genuinely think it helps the channel. I've been working in finance for nearly

a decade. I went to school for it. Um, I did my CFA and CFP designations. I'm still learning something new every day in my job. I get to work with people who have been in the industry for decades themselves, uh, who in most cases are more experienced and better educated than myself. I also have access to tools and resources that I might not otherwise be able to access, and I get to spend a lot of my workday researching topics that, uh, can later translate into helping the channel either directly or indirectly, uh, whether it just be improving my understanding of financial concepts and economic concepts as a whole, uh, or something that actually translates into a later script for a video or a point to talk about, uh, such as with, for example, Silicon Valley Bank. Uh, when that institution collapsed, I had to look into it for work because it mattered to what we were doing, and it later translated into a video. So, I know the term synergy gets overused in business, but there's a pretty good one between what I do for my day job and

what I do for YouTube because they're the same topic. I do Finance for my day job, and then as an extension of that, I post videos on Finance on YouTube. So in a way, my job does help with content generation, and I would hope, uh, helps with the quality of content, given that I can bounce ideas off of co-workers. And if I've done a deep dive into a topic for work, it gives me that better understanding for making a video. And just overall, like I said, it's a lot of synergies. So those are the four reasons why I currently do both. That's not to say that will always be the case, uh, my priorities might change in the future. They changed quite a bit when I had my two boys, and you know, there might be a point where I don't have the energy to do both and I focus on one versus the other. But over time, I have been able to manage the two, in part because outside of getting more efficient with my channel, I have really cut back a lot of

the work I put into editing videos. You might know that I used to animate a lot in my videos, and that was before I had kids and before I had a PM role at my company. But you might notice my editing style is very refined these days, very basic, which saves me a lot of time in putting these videos together and gives me more time to focus on what I think matters, which is the information. But with all that being said, I still have a drive to grow the channel and try different things to bring new projects to the forefront, to box Patrick Bo, and just try new projects and things with the channel. And over time, it's always just been getting more efficient with making these videos, and the next big thing is going to be probably hiring an editor, since I do most of my videos by myself. I know you guys love my editing style and the flair I bring, but it's about focusing on what I can add the most.

value with so despite everything I've said and despite the intent to continue working a full-time job. This is not to say that I'm done with YouTube or content with just riding the wave as it is. I'm incredibly fortunate to have this type of following, and my goal is to continue to innovate, whatever that means for YouTube, to try new things and bring more hopefully informative content to the forefront. Anyway, that's a video. As mentioned at the beginning, I'd love to hear your thoughts on any of it, especially if you are a long-term viewer who has maybe seen the change of content over time. What your views are on it, maybe you're of the mindset that you miss the crappy Little Richard animations, or you like the plainer style, whatever it be. I would really be interested to hear your feedback. Given the nature of the topic, I do want to take the opportunity to say thanks for watching and for supporting the channel. I hope this doesn't give the impression that I take

this for granted uh because I don't this has been an incredible experience to be able to have any sort of following online let alone the size we've had for the channel so thank you uh for sticking around if if you've been with the channel for a while and for even just joining me today so we'll leave the video there like I mentioned let me know your thoughts we'll see you in the next one

Why I Don't Do YouTube Full-Time

Investing and personal finance educational videos with a hint of economics, posted regularly.

I'm a CFA and CFP professional working as an analyst for an investment management company in Ottawa. I'm a huge finance nerd and am passionate about the field - I think people lack the resources they need to make educated financial decisions, and hopefully this channel helps with that!

For collaboration/other inquiries: richard@theplainbagel.com

For sponsorships:
sponsorships@theplainbagel.com

DISCLAIMER:
The videos on this channel are for education purposes only and do not constitute financial advice. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers and his content should not be used as a basis for investment trades.

The Plain Bagel

플레인 베이글의 첫 번째 유튜브 이벤트와 풀타임 직업의 균형 맞추기

이 크리에이터는 투자 소셜 미디어 앱인 Blossom의 채널 홍보대사로서 첫 번째 YouTube 이벤트에 참석했습니다.

채널의 성장에도 불구하고 이 크리에이터는 금전적 이익 이상의 이유를 들며 정규직 포트폴리오 매니저로서의 직업을 유지하기로 결정했습니다.

일과 YouTube 채널의 균형을 맞추기로 한 이 결정은 크리에이터 커뮤니티 내에서 관심과 토론을 불러일으켰습니다.

YouTube에서 금융 채널을 운영하면서 직업을 유지해야 하는 이유

Richard는 금융 분야에서 일하면서 사람들의 재정을 돕는 데서 성취감을 느끼며, 이를 드물고 특별한 기회로 여기고 있습니다.

그는 YouTube를 본업으로 삼는 것을 주저하고 있으며, 동영상 콘텐츠 제작을 취미로 생각하기 때문에 2주에 한 번씩 동영상을 올리는 것에 만족하고 있습니다.

또한 그는 금융 업계에서는 보기 드물게 회사에서 제공하는 지원과 일과 삶의 균형에 감사하며 본업과 유튜브를 모두 추구할 수 있습니다.

정규직과 크리에이터로서 YouTube의 균형 맞추기

풀타임으로 일하면 크리에이터는 수입을 유튜브에만 의존하지 않고 균형을 유지할 수 있어 스트레스와 번아웃을 줄일 수 있습니다.

정규직이 주는 안정감 덕분에 유튜브에서 수익을 창출해야 한다는 부담 없이 관심 있는 분야에 집중할 수 있습니다.

금융 유튜브의 미래에 대한 불확실성은 크리에이터가 유튜브 활동과 함께 탄탄한 커리어를 유지하도록 동기를 부여합니다.

일과 유튜브 채널을 병행하는 것의 이점

금융 관련 직업을 가진 유튜버는 지속적으로 학습하고 귀중한 리소스에 액세스할 수 있습니다.

일상 업무와 YouTube 채널 간의 시너지 효과는 콘텐츠를 생성하고 품질을 개선하는 데 도움이 됩니다.

효율성 개선과 향후 편집자 고용 계획은 일상 업무와 YouTube 채널을 효과적으로 관리하겠다는 의지를 보여줍니다.

발표자는 YouTube에서 팔로워를 확보할 수 있는 지원과 기회에 감사하고 있습니다.

앞으로도 혁신과 유익한 콘텐츠 제공을 위해 최선을 다하고 있습니다.

발표자는 콘텐츠의 발전에 대해 장기 시청자로부터 피드백을 받는 데 관심이 있습니다.