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"The issue with TikTok videos in terms of financial topics is they are far too broad, and there's not enough information in them," Lowry told Insider, after reviewing a number of viral videos sent to her by Insider.
TikTok and similar video formats such as Instagram reels do not provide sufficient time to deliver detailed advice on savings, even if the tip is sound to begin with, Lowry advised.
"If you're trying to explain more than one very simple, high-level concept, you're going to be diluting the information down to a point where it might not even really be effective," she said.
While Lowry said she liked how personal finance information is "being democratized" in the form of easily available TikTok videos, she added it's important viewers make sure they are "fact-checking" the information with additional, independent research, and "going to verified, actual experts" before making any "drastic" decisions with their money.