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Need Some Fitspiration? This 82-year-old TikTok Fitness Influencer is One of Those

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Are you in search of some fitspiration for the new year? Meet Erika Rischko, an 82-year-old TikTok influencer who describes herself as a “fitness junkie. 

Erika Rischko has 356.1K followers on TikTok, having joined in spring 2020 when Germany was in lockdown at the surge of the coronavirus pandemic.

Who is Erika Rischko? 

Erika Rischko hails from Langenfeld, Germany, and is a mother of two. She considers herself a “late bloomer” in fitness, but she is now an inspiration to many people. Rischko has become a TikTok sensation because of her fitness and dance videos.

“I am truly honored and humbled to inspire them,” Rischko told Good Morning America. She added that I love reading comments like you are so inspiring, life goals, and couple goals. 

Rischko, a homemaker, shared that she found her love for fitness in her mid-50s. Her daughter signed her up at a gym. She wasn’t as addicted to exercising during the first five years. Then, she slowly became serious and began participating in spin classes and rowing competitions. At present, Rischko said she works out twice a day, several days a week. 

Her husband goes to the gym with her in the morning. She bikes to and from the gym and works out in the evening three to four times a week. 

On Becoming a TikTok Fitness Influencer

Rischko said she joined Instagram in February 2020 at the prodding of her daughter. Her daughter wanted Rischko to share her workouts with their family and friends. 

When the gyms closed due to the COVID-19 pandemic, she started joining fitness challenges on Instagram. She said the response on IG was overwhelmingly positive and uplifting. 

Months later, her daughter discovered TikTok as some of the dance challenges on German TV, and the social media app became popular. So, Rischko began taking part in some of the fitness challenges on TikTok. Her daughter helps film and post her workout videos. The 82-year-old Erika Rischko quickly developed a following and is now considered a TikTok fitness influencer. Her videos on the app now have more than two million likes. 

“I would have never expected this many inspiring comments and followers,” Rischko said. She added that Instagram and TikTok have helped her stay up to date with technology as the younger generation is doing nowadays. 

Workout Routine

Rischko said she is always doing something different. She also advises her followers to do the same. 

“I mix it up most of the time to achieve a different intensity and duration. I do TRX, DeepWork, spin classes, weight lifting, Pilates, yoga, and functional fitness. Variation in workout routine is essential to get stronger while using your time productively.” – Ericka Rischko.

Aside from her active lifestyle, Rischko also credits her endurance to eating fresh and healthy foods but not counting calories and limiting drinking alcohol. She also gave up smoking 30 years ago. 

Her pieces of advice: Do not do anything beyond the limit – there is no need to, and start slowly. Focus on eating healthy, but do not punish yourself. Discover what works for you, she added. She also encourages everyone to find sports you love because you will not do it for a longer period if you do not enjoy it. Likewise, if you are not disciplined enough, try to find a fitness buddy as it is not easy to abandon somebody.

Rischko wished she had started this fitness journey earlier. So, her final advice is to begin an active lifestyle now. 

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Lifestyle

How To Spot Financial Influencer Red Flags

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Nowadays, it’s pretty easy to gather all types of information from the internet. One click and you can learn about almost anything online. That includes personal finance. And if people want to learn about personal finance, they look up to personal finance influencers. 

Since personal finance is a serious and important issue, finding legitimate personal finance influencers is crucial so you don’t fall prey to fake ones. So it’s best to look out for financial influencer red flags. 

In this article, we’ll dig deeper into what financial influencers do and the red flags to keep an eye on. 

What do financial influencers do?

Financial influencers provide strategies and tips about how to handle money, investing, and other monetary-related topics. A financial influencer doesn’t have to undertake official courses to become one. More often than not, they share tips and strategies based on the experiences they gain throughout the years of investing, trading, or dealing with finances. 

A financial influencer may even share their personal experience in terms of growing their financial assets. As long as you have a proven track record of how you grew your finances, you can be classified as a financial influencer.

Financial influencers earn money in various ways. But to become an influencer, you have to earn considerable followership to attain trustworthiness. Moreover, credibility is also an essential aspect of being a financial influencer. So one has to accumulate social proof such as testimonials from the people they’ve helped, ratings from authoritative sites, and reviews from followers. 

These influencers create a website where they can typically distribute content on anything finance. In most cases, influencers earn money from ads on their sites, sponsors, or affiliate marketing. Furthermore, financial influencers also offer their services by conducting one-on-one consultation sessions with clients for a fee. 

Do financial influencers give tips for free?

Yes. Financial influencers start out by giving tips and strategies to grow your money for free. This way, they can gain followers, listeners, or subscribers. They distribute finance-related content such as blogs, podcasts, videos, ebooks, guides, whitepapers, PDF files, or even hold webinars. 

The most common platforms to distribute financial-related content are:

  • Facebook
  • Instagram
  • YouTube
  • Reddit
  • TikTok
  • Twitter
  • LinkedIn

You may also find financial influencers in their element in various groups and forum websites such as Quora. And you can gain many tips and strategies from other people who pitch into the conversation. 

5 Financial Influencer Red Flags to Watch Out For

As mentioned, it’s essential to find legitimate financial influencers to learn valuable insight about money. So here are the top financial influencer red flags to watch out for.

1. Unproportioned number of followers and engagement

Buying Instagram followers is a huge thing on the platform nowadays. So before following a financial influencer, check out if there is an imbalance between the number of followers and quantitative amount of engagement. If the influencer has a million followers with only 1,000 or fewer likes on every post, that’s a red flag.

2. No social proof

You should always consider credibility when selecting which financial influencers to follow. If you can’t find social proof on any of their platforms, then it means the influencer hasn’t lifted a finger to help anyone.

3. Hard selling

If you find that the influencer is always pushing for selling services or merch, consider it a red flag. A passionate financial influencer will prioritize helping others grow their money first before theirs. 

4. Asking for upfront fees

As mentioned, when they’re hard selling their services and asking for fees upfront, get one foot out the door immediately. These people want money from you above anything else.

5. Too-good-to-be-true promises

Sometimes, we fall prey to fake or too-good-to-be-true promises. Because of this, terms such as “guaranteed,” “get rich quick,” or “no fail” tend to spike up interest. However, there is no guarantee in the world of finance, so keep on searching for a legit influencer if you read terms like these. 

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Financial Guru Says Asking This One Question Will Help You Make Smart Financial Choices

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Financial guru Ramit Sethi explains doing this one essential thing before anything else to get your finances in check. He says you’re not going anywhere if you don’t map out and plan your journey. He teaches how to make smart financial choices that will keep your financial house in order. 

The era of technology has paved the way for fintech companies to help users transfer money conveniently and budget money properly. These days, there is no shortage of budgeting apps that range from free to premium services. Budgeting apps such as Mint, YNAB, PocketGuard, or Zeta could keep your finances in order. 

Moreover, you can also find many resources about achieving long-term financial success and security. However, the author of I Will Teach You to Be Rich, Ramit Sethi, says that all these budget and financial apps won’t work if you don’t do one essential step. 

I Will Teach You to Be Rich explores the principles to manage your finances properly and gain control of your future. It details a six-week program that encourages people in their 20s and 30s to live a more fulfilling life with financial security

Getting your financial goals straight

The Cut’s Charlotte Cowes interviews Ramit Sethi about financial planning. Sethi claims that people can get too confused about making money-related decisions. He says he gets more than 2,000 messages from people of various socioeconomic backgrounds and ages per day. 

Most of these messages are queries about finances and how to gain control of it to live a comfortable life. Sethi says that most people don’t know the definition of financial success. For example, when he asks clients what financial success is, they respond vaguely with no satisfying answers.

His clients’ definition of financial success would often relate to being able to do whatever they want, getting out of debt, or having a million dollars. However, when pressed for reasons of how they came up with these, his clients couldn’t answer. 

More often than not, people think about taking control of their money after graduating from college, getting married, getting divorced, having children, or getting a new job. Sethi claims that this reckoning is due to external factors and never internal ones. 

For instance, not many people wake up one day and say, “I want to regain control of my finances.” Instead, it’s always about these external events in one’s life that pushes people to think about managing their money. 

When this epiphany happens, most people who complain about personal finances probably have never read a book on personal finances. According to Sethi, the secret ingredient to achieving financial success is competence. You have to learn the ins and outs of the language of money. Unfortunately, money is talked about restrictively and unappealingly. 

The ONLY one question to ask to improve personal finance

Sethi says that these vague answers might be for fear of not living a comfortable life or a sense of obligation. These answers don’t motivate anyone from start to finish. But it’s how you plan a creative vision that allows you to make smart financial choices. 

Let your dreams push you towards better money management. So before tackling the basics of financial planning, ask yourself this one question:

“What does the rich life look like to me?”

Sethi advises being more specific on your visions in life. The more detailed and sensory your responses are, the more precise the path to financial success.

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Lifestyle

Five Lessons Learned From A Financial Reporter

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There is plenty of great personal advice out there. But how do you figure out whether or not it applies to you? Jason Stauffer, a NextAdvisor reporter, shares that there’s no single tip or money hack that will instantly turn your life around. However, some principles can guide you towards achieving your goals. You will need to find a way to apply them to your unique status or situation. So, here are the best personal finance tips to use.

Five Best Personal Finance Tips By Jason Stauffer

1. Budgeting Is More Than Just Managing Money

Stauffer said that his budget was a personalized spreadsheet he constantly updated for many years. It was part of his dream of becoming a young Warren Buffet. However, that budget rarely helped him feel less stressed about money.

During his early stint at NextAdvisor, Stauffer discovered zero-based budgeting or ZBB. Once he and his wife started to apply the method, they started saving more and feeling less anxious about money. A reasonable budget should manage your expenses and your emotional relationship with money. 

With ZBB, every money that comes in is assigned to a specific purpose. They allocated funds to pay for rent, cellphone, and other expenses. Aside from that, they also allot money for more than their current bills. This strategy helped them pay off student loans sooner than scheduled. 

ZBB also helped the couple build an emergency fund. For example, when their cat needed a $2,000 emergency surgery, they already have that amount available. Without sufficient emergency funds, it would have been a hindrance to their goals. 

The zero-based budgeting app called You Need a Budget (YNAB) has effectively turned credit cards into debit cards.

If you want to explore ZBB, YNAB is a great place to start. But take note, the app is not free. There are lots of free or cheap ZBB templates available. And ZBB isn’t the only budgeting approach that works. As you explore different budgeting methods, focus on why you want a budget. 

2. Prioritize Income Over Expenses

Some people have paid off their mortgage in less than six years and settled six-figure sums of debt. One common factor for these success stories is they constantly find ways to make more money. They engage in side hustle businesses or find better-paying jobs. Still, having a budget that works is the first step towards achieving goals. 

Stauffer also shared that they are expecting their first child, and it is as vital as ever to increase household income. His wife is considering a transition from freelance to a full-time world, which would provide a more stable income. From there, they might also explore other side hustle opportunities. 

Starting a freelance or side hustle might not be as challenging as you perceive. Chances are you already have hobbies and talents you could utilize or develop to augment your income. 

3. Learn To Negotiate

The idea of negotiating has always been overwhelming, but it’s one of the best personal finance tips to use. In reality, dealing is usually as simple as asking for what you want. Thinking about a good offer sometimes includes offering something of value in return. 

Any method of negotiation is better than no negotiation at all. Find an approach that could assist you in doing it and become more comfortable. You could try making an indirect request and evaluate if it is easier for you. 

4. Be Patient and Consistent

Transforming the status of your finances takes time. Almost all financial success stories are prefaced by a long learning period and establishing momentum. Whether learning to code before becoming a tech entrepreneur or saving up for a downpayment on a house or property, significant changes take time. 

If you can only take small steps, focus on taking small steps. It can be not easy seeing how fast everyone else moves or progresses. What’s not seen is how much time it took them to develop the speed you’re seeing. 

5. Future Homeowners: Ask About a Zero Mortgage

The most overlooked strategy Stauffer encountered for reducing your mortgage cost is to ask for lender credits instead of a higher interest rate. The credits would be used to settle the loan fee portion of your closing costs in this situation. With a zero-cost mortgage, you’d be paying a reduced amount every time you buy a home or refinance.

When researching lenders, always ask if they have a zero-cost loan option. Then, compare your options and see which one applies to you.

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