How to Make High‑RPM Finance Videos with Free AI Tools (Step‑by‑Step)

Finance is one of the highest‑paying niches on YouTube, and you no longer need a camera, studio, or even to show your face to get started. With the right AI tools, you can create professional, long‑form finance videos that are fully monetizable and built for high RPMs.

Below is a complete, beginner‑friendly workflow to go from idea to finished video using free AI tools for scripting, images, and video generation.

Why the Finance Niche Is So Powerful for AI Automation

Finance content on YouTube typically earns a much higher RPM (revenue per thousand views) than entertainment or general lifestyle videos. In many cases, RPMs in this niche can range from $8 to $20 or more, especially from audiences in countries like the US.

There are already faceless finance channels using AI that are growing quickly with relatively few uploads. They use a consistent animated character, long‑form videos, and simple but clear storytelling around topics like saving, investing, and building wealth.

The key ingredients are:

• A focused finance topic for each video
• A consistent on‑screen character
• Clean, professional visuals
• Clear voiceover and scene descriptions

All of this can now be generated with free AI tools.

Step 1: Use a Master Prompt to Plan Your Video

The workflow starts with a single “master prompt” that you paste into ChatGPT (or a similar AI model). This prompt is designed to give you everything you need for a full video in one go.

The master prompt is usually broken into five parts, which you paste into the chatbot step by step:

1. Topic Ideas – First, the AI generates around 10 potential finance video ideas (for example, beginner investing tips, saving challenges, or money habits). You pick the one that feels most engaging or clickable.
2. Character Details – The AI defines a consistent character (appearance, clothing, style) that will appear in every scene of your video.
3. Scene Prompts – For each scene, the AI writes detailed prompts describing what should be happening visually.
4. Image Prompts – These are optimized prompts you’ll use later in image generators to keep your character and style consistent.
5. Voiceover Lines – The AI also outputs the lines that will be spoken in each scene, matching the visuals.

This kind of prompt‑driven workflow is similar to other automation setups people use to create bulk content, like in Ghibli‑style nostalgia video workflows built entirely with AI.

Step 2: Generate Consistent Character Images with Free AI Tools

Once you have your character and scene prompts, the next step is to turn them into images. The goal is to keep the same character across all scenes so your video looks professional and coherent.

Option 1: ImageFX (Free, Simple, and Fast)

ImageFX is a free AI image generator that works well for this workflow.

Here’s how to use it:

1. Log in to ImageFX.
2. Copy the character prompt from ChatGPT and paste it into ImageFX.
3. Copy the scene prompt for your first scene and paste it as well (either combined or as part of the same description).
4. Click Generate and wait a few seconds.

You’ll get a polished, professional‑looking image of your character in the correct scene. If you’re happy with the style and consistency, repeat this for every scene in your video.

Option 2: Nanobanana AI (With Free Credits)

If you want an alternative or don’t like the ImageFX results, you can use Nanobanana AI’s text‑to‑image tool.

Basic workflow:

1. Go to the Nanobanana AI website and choose to sign in.
2. Use a temporary email service to register, then verify your account with the code sent to that email.
3. Once verified, you’ll receive free credits.
4. Go to AI Text to Image and select the Nanobanana model (the free option).
5. Paste your character prompt and scene prompt from ChatGPT.
6. Click Generate and download the resulting image.

Repeat this for each scene. If you run out of credits, you can usually get more by checking in or repeating the sign‑up process. The key is that the character remains visually consistent across all your images.

Step 3: Turn Images into Animated Video with Google Veo (via KIE AI)

With your images ready, it’s time to animate them and add voiceover using a free video generation tool. This workflow uses KIE AI, which acts as a marketplace that connects you to multiple AI tools in one place, including Google’s Veo models.

Here’s the process:

1. Go to the KIE AI website and log in using a Google or Microsoft account (temporary emails won’t work here).
2. From the dashboard, choose Image to Video.
3. Scroll down and select Google Veo 3.
4. On the right, you’ll see various character options, but in this workflow, your own generated images act as the main visual reference.
5. For the model, choose Veo 3.1 Light – it offers a good balance of quality and speed.

Now generate your first scene:

1. In the Start Frame section, upload the first image you created for scene one.
2. Go back to ChatGPT and copy the scene 1 video prompt with voiceover (the tool‑ready text that describes the motion and includes the spoken lines).
3. Paste that into the prompt box in KIE AI.
4. Choose your aspect ratio:
• 9:16 for vertical shorts
• 16:9 for long‑form videos

For higher RPM and better monetization, 16:9 long‑form videos are usually recommended.

5. Click Generate and wait 2–3 minutes.

When it’s done, preview the video. You should see your character animated according to the prompt, with the voiceover already included. If you’re happy with it, download the clip.

Repeat this process for every scene:

1. Upload the next scene’s image as the start frame.
2. Paste the corresponding scene prompt and voiceover text from ChatGPT.
3. Select the same aspect ratio.
4. Generate and download.

If you run low on credits, you can log in again in another browser or with a different account to get fresh credits and continue generating scenes.

Step 4: Assemble, Upload, and Monetize Your Channel

Once you’ve generated all your scene clips, you can stitch them together in any simple video editor (even free tools work fine). Arrange the scenes in order, trim any blank parts, and export a single full video.

Then:

1. Create a new YouTube channel focused on a clear finance theme (investing, saving, money habits, etc.).
2. Use your AI character as the visual identity across thumbnails and videos to build brand recognition.
3. Upload your finished video, write an SEO‑friendly title and description, and add relevant tags.
4. Stay consistent: keep using the same character and style for future uploads.

Because the visuals, script, and voiceover are all AI‑generated, you don’t have to worry about traditional copyright issues from stock footage or reused content. Still, it’s always smart to follow YouTube’s latest policies and avoid copying other creators’ exact ideas or branding.

If you want to explore more ways people are using AI tools to build income streams, you might also like this breakdown of AI tools that can actually make you money.

Final Thoughts

With a good master prompt and a few free AI tools, you can build a complete faceless finance channel: topic ideas, scripts, images, and fully animated videos with voiceover included.

The real leverage comes from combining:

• High‑RPM finance topics
• Consistent, AI‑generated characters
• Free image and video generators
• Long‑form content optimized for monetization

If you stay consistent and keep improving your prompts and topics, this kind of AI‑powered workflow can turn into a serious YouTube automation asset over time.