Strategy report · Updated Jul 10, 2026
What's working for @themoneycruncher on Instagram.
The Money Cruncher, CPA
180.8K followers · 1.8K posts
“👨🏫 | A licensed CPA talking about personal finance 💸 | $600K net worth at 25 🗻 | Join 18,000 readers ⇙”
Engagement rate
1.59%
Per post, last 90 days
Posts per week
2.1
Niche avg 4.0
Average likes
2.7K
205 avg comments
Post mix
Last 90 days · 1,766 posts indexed
01
Top-performing posts
The three posts pulling the most engagement in the last 90 days.
carousel 33.31% engagedSEND this post to your friends and family 🚨‼️ This is everything that’s changing for your taxes in 2025/2026. If you have any questions, reply with a comment. I will respond to all of them. Follow me @themoneycruncher for more CPA content #finances #personalfinance #personalfinances #tax #trump #taxes
carousel 5.12% engagedSend this post to a friend 📩 and 🔁 it so others can learn this strategy. This is why investing is key to success. You can save on taxes AND build wealth strategically. Don’t forget to follow me @themoneycruncher for more CPA tips. #tax #investing #investments #taxes
image 1.88% engagedComment “Backdoor” to receive a 25 page guide showing you exactly how Backdoor Roth works. If you aren’t sure what this strategy is - Roth IRA has income limits. If you are over the income limit, you can’t contribute. This strategy allows you to bypass these income limits and still contribute to Roth IRA. Very powerful. So comment “Backdoor” and I will send it to you. Must follow. 24 hours only. Follow: @themoneycruncher . . #tax #taxes #taxtips #taxseason
02
Content pillars
AI-clustered themes the account posts about, with example posts pulled live from Instagram.
03
Posting rhythm
Cadence and timing patterns over the last 12 weeks.
2.1 posts/week
Niche benchmark · 4.0/week
Best days
Thursday · Saturday · Sunday
Best hours
7-9am · 6-8pm
04
Signature hooks
Caption patterns the account reuses across high-performing posts.
Comment "[keyword]" to receive [lead magnet].
Used 2×
Comment "Backdoor" to receive a 25 page guide showing you exactly how Backdoor Roth works.
SEND this post to your friends and family. This is everything that's changing for your taxes in 2025/2026.
Send this post to [audience] so they can learn [topic].
Used 4×
Send this post to a friend and repost it so others can learn this strategy.
SEND this post to your friends and family. This is everything that's changing for your taxes in 2025/2026.
Send this post to your friend! Protect your account from fraud by locking it.
Share [this/the strategy] with someone who needs to know [topic].
Used 3×
Share the strategy with someone! If you plan strategically, you can control your taxes during retirement.
Send this post to a friend and repost it so others can learn this strategy.
Send this post to your friend! Protect your account from fraud by locking it.
[Surprising stat or dollar figure]??? Here's why [tax/finance rule] matters.
Used 3×
$50k over the threshold = $130k+ in taxes??? That's NY cliff estate tax.
Taxes make a difference, especially if you have $$$. With estate taxes, it's something you have to plan ahead.
The gross price of that service on itemized bill was like $3k. Always verify your medical bills.
What is your [opinion/advice] on [topic]? Mine is: [list].
Used 3×
What is your best advice for 18 year olds? Mine is: 1. Student loans 2. Start 401k early.
VTI and VGT are 2 ETFs I like. What about you?
Anything else to add?
Unlock signature hooks
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Strategy summary
What's working, what to fix, and what to ship next.
TL;DR
The single biggest lever for this account is the carousel format paired with a share or DM call-to-action. Posts 8 and 7 prove it: post 8 pulled 57,313 likes and 2,909 comments, and post 7 generated 9,121 likes, both by combining a high-stakes tax topic with an explicit send-to-a-friend prompt. The rest of the feed, mostly static images averaging roughly 300 to 500 likes, is leaving enormous reach on the table.
The biggest leak is posting frequency. At 2.1 posts per week, this account is roughly half the healthy benchmark of 4 posts per week for a personal finance educator with over 180,000 followers. The estate planning content (posts 1, 14, 15) is also underutilized: it attracts a wealthier, higher-intent audience that no other major finance account consistently serves, yet it represents only about 13% of the feed.
Post 3's comment-trigger mechanic (936 likes, 2,462 comments) confirms that interactive formats outperform passive ones by a factor of five or more on this account. Shipping two carousels per week with DM or comment triggers, while doubling down on estate planning and Roth strategy content, is the clearest path to compounding both reach and follower trust.
Working
5- Carousels with explicit share calls-to-action dominate engagement, as posts 7 and 8 show with 9k and 57k likes respectively.
- Comment-trigger mechanics drive outsized comment volume, with post 3 generating 2,462 comments vs. a typical 10 to 20.
- Dollar-specific hooks like the $130k NY estate tax cliff in post 12 generate above-average saves and comments.
- First-person opinion posts like post 20 on VTI and VGT reliably pull comment threads from engaged followers.
- Tax content tied to current law changes (post 8, 2025/2026 tax changes) spreads far beyond the existing audience.
Risks
5- Posting cadence is too low at 2.1 per week. Doubling to 4 per week would compound reach without diluting quality.
- Most static image captions end without a clear next step, reducing saves and shares on posts like 4, 6, and 17.
- Estate planning content is underserved at roughly 13% of posts despite clear audience appetite for it.
- Hook variety is thin. Too many captions open with 'This is why' or a generic statement instead of a surprising number or question.
- No Reels or video content is visible in this sample, which limits discovery on the Explore and Reels feeds.
Ship next
5- Publish two carousels per week on high-stakes tax topics (Roth conversion windows, estate tax cliffs) and add a comment-trigger CTA to each.
- Launch a weekly estate planning post series targeting the $1M-plus net worth segment, a gap no major competitor fills consistently.
- Test one Reel per week that repurposes the top carousel slide as a 30-second talking-head explainer to capture Explore traffic.
- Rewrite static image captions to open with a dollar figure or counterintuitive stat in the first five words, mirroring post 12's format.
- Schedule posts for Thursday and Saturday between 7 and 9am based on the highest engagement timestamps in this dataset.
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