How to Build a Wildly Money-Making TikTok Page (Even with Zero Followers)

TL;DR: Yes, you can start a money-making TikTok from scratch. No, you don’t need to dance (unless you want to). Learn how to create viral content, monetize it, and grow fast with this Gen Z-approved guide.

Let’s cut to the chase: TikTok isn’t just for viral dances and weird food hacks. It’s a legit cash machine—if you know what you’re doing. In 2025, more Gen Z and Millennial creators are quitting 9-to-5 jobs to become full-time TikTok entrepreneurs than ever before. And here’s the kicker: many of them started with zero followers.

So, what’s their secret? It comes down to smart strategies, monetization hacks, and understanding what TikTok’s algorithm actually wants. This article will walk you through the exact steps to turn your TikTok page from a ghost town into a money-making empire. Whether you’re in your bedroom in Boise or your dorm room in Detroit, this works.

Why TikTok Is the New Side Hustle Hotspot

TikTok has over 1.5 billion monthly active users. It’s not just a social app—it’s a search engine, shopping mall, and full-on business tool. And you don’t need 100K followers to get paid.

Here’s why it slaps for creators:

• • The algorithm rewards quality over popularity.

• • Micro-influencers (1K to 10K followers) are in demand.

• • You can monetize through brand deals, affiliate links, and even tips.

• • Content creation tools are built-in and easy to use.

Want to track your cash flow from all these streams? Monarch Money is the perfect app to budget your influencer income.

Step 1: Find Your Viral Niche (Don’t Overthink It)

Your niche is your vibe. The key is combining  your money-making TikTok with what you love  and with what people search for.

Hot TikTok Niches in 2025:

• • Money-making tips for Gen Z

• • Aesthetic productivity

• • Storytime drama

• • Budget lifestyle hacks

• • AI and tech tutorials

Pick one. Own it. Don’t pivot every other day.

Step 2: Create Scroll-Stopping Content

The first 3 seconds matter. Use them to grab attention like your bank account depends on it (because it might).

Content Tips That Actually Work

1. 1. Start with a hook question: “Ever wonder how broke college kids afford Chanel?”

1. 1. Add captions — 80% of users scroll without sound.

1. 1. Use trending audio smartly (don’t overdo it).

1. 1. Keep videos under 30 seconds for max retention.

1. 1. Drop keywords in your captions and hashtags like: #MoneyMakingTikTok

Step 3: Monetize Like a Boss

You don’t need a million followers to get paid.

Here’s how creators are getting that bag:

• • Affiliate Links: Promote tools like Monarch Money and earn commission.

• • TikTok Creator Fund: Join once you hit 10K followers.

• • Live Gifts: Go live, drop value, and collect those virtual tips.

• • Brand Deals: Even small creators get paid—just pitch yourself.

“I made $800 from three videos with 2K followers. It’s all about positioning yourself like a micro-expert.” — @KaylaCents, Finance Creator

Step 4: Growth Mode: From 0 to 10K Followers

Growth doesn’t need to be slow. Be intentional.

• • Post 1-2x daily.

• • Collaborate with other creators in your niche.

• • Engage in the comments—actually reply to people.

• • Optimize your bio with keywords like “budget hacks” or “money-making TikTok.”

Pro tip: Use Monarch Money to track your growing income, automate savings, and stay financially unbothered.

Step 5: Turn Followers into Fans (and Buyers)

When you post with value and consistency, people start trusting you. And trust = income.

• • Add your affiliate links to your Linktree.

• • Use storytelling to pitch naturally.

• • Create playlists to keep your content binge-worthy.

Final Thoughts: Start Small, Stay Consistent

It doesn’t matter where you start. What matters is consistency, clarity, and creativity. TikTok can be your next paycheck or even your full-time job if you treat it like a business. Your zero followers today? Just part of your origin story.

If you searched for our article’s Focus Keyword: money-making TikTok, your in the right place. 

FAQs

Q: Do I need expensive equipment to make TikToks?
A: Nope. Your smartphone is more than enough.

Q: Can I use TikTok if I’m not comfortable on camera?
A: Yes! Use voiceovers, text-based videos, or animations.

Q: How long does it take to start earning money?
A: Some creators earn within a month. Results vary based on niche, consistency, and content quality.

Sources

• • Statista: TikTok User Growth

• • Influencer Marketing Hub: TikTok Money Calculator

• • Monarch Money

  • 10 Side Hustles That Can Make You $1,000+ Per Month

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Financial Disclaimer:

This article is for educational purposes only and is not financial advice. Always do your own research or consult a professional before making financial decisions.