@e | Creator profile on Nutcake

What kind of content does Dr Eliza Filby make?

Dr Eliza Filby unpacks the complex socio-economic realities facing young people in the UK across TikTok and Instagram. Her insightful content delves into student debt, the evolving job market, and the societal pressures that impact mental well-being. With a sharp, questioning tone, Eliza challenges conventional ideas of success and wealth, offering a fresh perspective on contemporary challenges.

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Educational

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Finance

Interviews/VoxPop

Lifestyle

Motivational

Self-help

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There’s something revealing in this conversation.

On paper, this generation is doing the right things. Reading financial advice. Watching YouTubers they’ve researched and trust. Putting small savings into diversified ETFs

And yet, the feeling that comes through is fragility rather than confidence that this approach is setting up anyone for stability.

“I’m lucky. My parents help.”

“Otherwise I think most of my generation is financially screwed.”

“I invested a bit… and then I stopped. It only went down.”

This is what financial literacy looks like when there’s very little room for error. When you’re educated enough to know the risks, but don’t have the buffer to ride them out.

£80,000.

For one degree.

This clip stayed with me because it captures something I hear again and again when I talk to young graduates in the UK. The debt is enormous, the interest quietly ticking up, and the emotional response is often a strange mix of resignation and denial: “I just hope it disappears.”

For years, we sold higher education as the safest bet you could make. It is meant to be the ultimate hedge against insecurity. But UK student loans are no longer just a graduate tax you vaguely ignore. For many, they are shaping life choices: what work you take, whether you retrain, when you move out, whether you can afford to take risks at all.

And then there’s the part we talk about even less: what happens when the degree doesn’t translate into a graduate job. When people retrain again. Or pivot entirely. Or keep hustling, years after graduation, carrying debt for a career that never quite materialised.

I’ve written before about the scale of student debt in Britain and how casually we’ve normalised it. My last substack goes into more depth on this topic. We often say ‘a degree doesn’t pay’, but are we asking the right questions?

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The reality of caring for elderly relatives often falls on women’s shoulders.

Many women in their fifties and sixties are forced to choose between their careers and caregiving.

We're living longer, but also with more complex health needs yet our care system isn’t equipped to handle it.

So where do we find those carers?

Who is Dr Eliza Filby’s audience?

Dr. Eliza Filby's audience is likely comprised of intellectually curious individuals in the UK, particularly students and young professionals, interested in socio-economic trends, the future of work, and evolving societal norms. Their engagement signals a strong interest in nuanced discussions, as evidenced by her Instagram ER (1.99%) exceeding the benchmark and her TikTok ER (3.01%) performing exceptionally well. This suggests a highly receptive audience eager for insightful content and likely to engage deeply with her analysis.

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