Skit ideas: 20 funny money skits for TikTok, YouTube and two people

▶Watch one of the skits · 8 sThe secretly rich friend: “I’m not rich, my parents are.” Then one tap on the eye.

Everyone in these skits is acting

Everyone in these skits is acting, or is a friend who is in on it and agreed to be filmed. They are not a way to test whether a real friend, a date or a partner likes you for your money.

The phones are props. Pozer’s apps connect to no bank, broker, exchange or store, and every figure on them is typed. Showing one to anyone as real money, real returns or real sales is prohibited by our acceptable use policy, and accounts used that way are closed.

How a money skit works

Nearly every skit here has the same shape, which makes the format easy to repeat:

• A claim. “I’m basically middle class.” “I’m so broke.”
• Three or four slips that build. The first passes, the second gets a look, the third is repeated back as a question: “Four times?”
• A reason to open the phone: the bill, rent day, payday, “prove it”.
• One screen that settles it, readable in two seconds.
• The button: one more slip, said as sincerely as the first.

Point the joke at the rich character’s blind spots: not knowing what rent costs, calling a holiday home “the little place”, saying a percentage out loud at brunch. Never at the friend who has less, and never at what it’s like to be short of money.

The secretly rich friend

The friend who swears they’re normal, then mentions Dubai for the fourth time this year. Sezer, Gino and Norton (2018) found that people like a humblebrag less than a plain brag, so nobody watches to admire the modesty; they watch to catch it slipping. Play the slips as accidents. The rich friend never winks.

The screen is Pozer’s bank account app, an original design that follows no one bank. The eye at the top right of its Accounts screen swaps every figure for dots, and one tap brings them back. An account’s own page ignores the eye and always prints its balance.

1. Split it five ways

Cast: 3 to 5 people. Reveal on the bank account app: Accounts, hidden, then one tap on the eye.

1. Menus. Leo orders the soup. “I’m being really careful this month.”
2. Holidays come up. Leo: “We didn’t go anywhere. Just Dubai.” A beat. “Again.” Sam: “Again?” Leo: “It’s the fourth time. It’s basically a commute.”
3. Priya says her rent went up. Leo, genuinely curious: “How much is rent? For, like, a flat?”
4. The bill. “Five ways?” Leo: “Let me check I’ve got enough.” He opens the app and the camera sees dots. He taps the eye: Total balance $3,418,685.58.
5. The button. Sam: “You have three million dollars.” Leo: “No, I have twenty-three dollars. The rest is Allowance.”

Set: checking nicknamed Spending at $23.18, savings nicknamed Allowance with the fortune, and the credit card off. The last line works because the nickname is on screen.

2. I’m not rich, my parents are

Cast: 2 people. Reveal on the bank account app: the eye on Accounts, then the Allowance account's own page.

1. The sofa in a shared flat. Leo tells Priya he’s “basically middle class”. “Our house is normal. The east side’s a bit much.”
2. “I’m skint till the first. That’s when it comes in.” Priya: “When what comes in?” Leo: “Nothing.”
3. Priya grabs his phone to prove he’s broke. Dots. She taps the eye: $3,418,685.58. Leo, pointing: “See? Twenty-three dollars.”
4. She opens Allowance and reads down the list: Monthly allowance · Mum & Dad, +$20,000.00, on the first. And the first before that.
5. The button. Leo: “I said I’m not rich. My parents are.”

Set: the same app, with two monthly lines from the parents and an Interest paid line in Allowance.

3. Privacy

Cast: 2 people. Reveal on the bank account app: the eye, tapped by the friend.

1. A café. Maya checks her bank app and angles it away. “I keep my balances hidden. Privacy.” Jonah: “From who? It’s a coffee.”
2. “I don’t really know what I have. Someone looks after it.”
3. “I can’t do Saturday. It’s the family thing. The one with the horses.”
4. Jonah reaches over and taps the eye himself. Insert: the balances appear. Jonah’s face.
5. The button. Maya takes the phone back and taps the eye again. “That’s why.”

Set: hide the balances before each take. Letting the friend make the tap is the better shot: the reveal is his, and her face gets the reaction.

4. Bin bags

Cast: 2 people. Reveal on the bank account app: dots, one tap, and a Total balance of $1,906,652.75.

1. A shared kitchen. Jonah reads from the group chat: “Sam, you owe me $3.40 for bin bags.”
2. He takes every free sauce packet out of the takeaway bag. “For later.”
3. “My uncle’s lending me his place in the mountains for Christmas. I’m paying for my own train, though.”
4. Rent is due. Sam: “Can you even do rent this month?” Jonah: “Probably.” He checks: dots, a tap, $1,906,652.75.
5. The button. Sam: “You charged me for bin bags.” Jonah: “That’s how you keep it.”

Set: an ordinary $412.60 in checking and the rest in savings nicknamed Rainy Day. Nothing else on the screen should look rich.

5. The broke date

Cast: 2 people. Reveal on the bank account app: dots, one tap, and $2,480,041.37.

1. A first date. Marcus gets it in early: “Just so you know, I’ve got about forty dollars.”
2. Nadia: “That’s fine. I’ll get the drinks.” She does, and orders him chips.
3. The slips: he has no idea what the bus costs, and mentions “my driver” before correcting it to “my friend who drives”.
4. The end of the night. Pleased with himself, he opens the app: dots, a tap, $2,480,041.37. “You passed.”
5. The button. Nadia, standing up: “You didn’t.” She takes the chips.

Set: $41.37 in checking and $2,480,000.00 in savings. Both parts are actors, and the joke is on the man who ran a test. The gold digger test prank guide has five more staged setups.

Payday, rent day and “I’m broke”

The same bank app, with the reason to open it built into the day.

6. Payday: “Oh, is it today?”

Cast: 2 people. Reveal on the bank account app: the eye on Accounts, then the pay line in Everyday.

1. The break room. Ben eats the sandwich he brings from home every day. Asked why he took the job: “Mostly for the experience.”
2. Priya: “How was the commute?” Ben: “Fine. Traffic was bad, so I had them drop me at the corner.” Priya: “Had who?”
3. Payday. Everyone checks their phone. Ben: “Oh, is it today?”
4. Priya: “Go on, then. What do they pay you?” He taps the eye: Total balance $6,206,431.34. He taps into Everyday to show her the pay line: Payroll, +$2,140.00, Today.
5. The button. Priya: “Why do you work here?” Ben: “I like having somewhere to be.”

Set: checking nicknamed Everyday at $2,312.44, with the pay line at the top: Payroll and an employer you invented, dated Today, Money in. Savings nicknamed Other holds the rest.

7. Rent day: the flatmate is the landlord

Cast: 2 people. Reveal on the bank account app: one account's page, with four rent lines in.

1. Rent day in a shared flat. Ana: “Four years and he’s never fixed the boiler. Have you even seen him?” Jo: “Once or twice.”
2. Ana: “He probably lives in a mansion off our rent.” Jo, carefully: “It’s more of a flat.”
3. Ana: “And the boiler.” Jo: “It’s on order.” Ana: “How would you know?” Jo: “Guess.”
4. Jo checks her bank app and Ana glances over. Insert: the account nicknamed Building, and four lines under Today: Rent · Flat 1, Flat 2, Flat 3 and Flat 4, +$1,450.00 each.
5. The button. Ana: “Flat 2 is us.” Jo, after a pause: “I’ll look at the boiler.”

Set: checking nicknamed Building, with four Transfer lines dated Today, each switched to Money in. Ana’s rent leaves off camera.

8. The broke friend who’s actually fine

Cast: 2 people. Reveal on the bank account app: Accounts, handed over to prove it.

1. Sam invites Dev to the cinema, a pizza, a birthday. Each time: “Can’t. I’m so broke.” Dev turns up to the birthday with a packed lunch.
2. Sam, worried, offers to lend him money. Dev: “No, no. I’m fine. I’m just broke.”
3. Sam: “Show me.” Dev opens the app: Spending at $1,240.18, and savings nicknamed Do Not Touch at $47,860.00.
4. Dev, pointing at the savings: “Two thousand one hundred and forty under my goal.” Sam: “That’s not broke. That’s a goal.”
5. The button. Dev: “It feels the same.”

Set: the card off, for a Total balance of $49,100.18. The joke is Dev’s idea of broke, never anyone short of money. For the friend who asks to borrow, see the friend asks to borrow money skits.

9. The job interview

Cast: 2 people. Reveal on the bank account app: dots, one tap, and a Total balance of $9,412,077.63.

1. A small office. The interviewer, reading the CV: “There’s a gap here. 2019 to now?” Clara: “Sailing.” “For five years?” “It’s a big boat.”
2. “What are your salary expectations?” Clara, genuinely unsure: “What do people usually say?”
3. The interviewer names a figure and waits for her to push back. Clara opens her bank app “to see if that’s a lot”, and forgets to angle it away.
4. Insert: dots, a tap, and a Total balance of $9,412,077.63, with $3,118.40 of it in Pocket.
5. The button. The interviewer closes the folder. “Why do you want this job?” Clara: “My mum says I should get out more.”

Set: checking nicknamed Pocket at $3,118.40, savings nicknamed Family at $9,408,959.23, and an invented company on the folder.

Old money vs new money

New money says the number out loud. Old money doesn’t know it. Han, Nunes and Drèze (2010) found that wealthy buyers with little need to show it paid more for quiet goods only insiders recognise, while those who needed to be seen went for loud logos. In a skit it comes down to one thing: new money needs a witness, and old money doesn’t need anything from the people at the table.

New money’s phone runs Pozer’s trading app, an original design in the style of a commission-free brokerage with no broker’s name or logo. It opens on the total, then the day in green with an arrow, the dollar gain and the percentage, over a chart and its ranges (LIVE, 1D, 1W, 1M, 3M, YTD, 1Y). You never type the gain: each holding has shares, a price and a Day %, and the day follows from them. Old money’s runs the bank app: a greeting, Total balance and the accounts, with no chart and nothing that turns green or red.

10. Brunch

Cast: 3 or more people. Reveal on the trading app and the bank account app: new money's green day, then old money's one plain number.

1. Tyler arrives with his phone already out. “Sorry. Market’s crazy today.” He shows the screen to each person in turn. “Up forty today. Forty K.”
2. He turns to Eleanor, who is buttering toast. “What are you in?” Eleanor: “In?”
3. Tyler: “Stocks. Crypto. What’s yours doing today?” Eleanor: “I’d have to ask someone.”
4. He insists. She finds her phone at the bottom of her bag, opens the bank app and turns it round: Total balance $31,461,090.72. Nothing else. Tyler: “Where’s the chart?” Eleanor: “It doesn’t go anywhere.”
5. The button. Tyler checks his app again. It’s up a little more. He shows the waiter.

Set: the two phones in the figure. New money’s three holdings and $1,206.11 of buying power make $441,020.11, up $40,117.14 (10.01%) Today. Old money banks with Brackwell: Household, Reserve, no card, dark green on cream.

11. The red day

Cast: 2 people. Reveal on the trading app and the bank account app: new money's day in red, and old money's number, unchanged.

1. A week later, the same table. Tyler is silent, refreshing. His screen is red.
2. Eleanor: “Is something wrong with your phone?” Tyler: “The market’s down.” Eleanor: “Which one?”
3. Tyler: “Don’t you check yours?” To humour him, she opens her bank app. The same number as last week, to the cent.
4. Tyler: “It didn’t move.” Eleanor: “That’s what it’s for.”
5. The button. Tyler taps through the ranges on his chart until he finds one that goes up, and shows her that.

Set: make each Day % negative and the day turns orange-red: the same holdings at −7.85%, −11.2% and −2.1% read ▼ $41,232.57 (8.55%) Today. The longer ranges follow the Trend you draw, so draw one that climbs and the button pays off.

12. Old money vs new money vs no money

Cast: 3 people. Reveal on the trading app and the bank account app: the green day, then the plain number.

1. Three at a table: Tyler, Eleanor, and Sam, who has a budget and knows exactly what it is.
2. Tyler shows the table his green day. Sam: “Nice. Are we getting the bread?”
3. Tyler: “Bread’s for people who don’t compound.” Eleanor: “Is bread extra here? I never know.” Sam: “It’s four dollars.” Both look at him as if he has done a magic trick.
4. Tyler pushes Eleanor to show her balance: one plain number. Tyler: “Okay, but what’s it up today?” Eleanor: “Up?”
5. The button. Sam orders the bread. He’s the only one who eats.

Keep it pointed the right way: Sam is the audience. He gets the sane lines and the last laugh, and the punchline lands on the two people who can’t do the maths on bread.

13. Meeting the parents

Cast: 3 people, or 4 with the partner. Reveal on the trading app: new money's green day, shown to the wrong audience.

1. Tyler meets his partner’s parents for the first time. Within a minute he has his phone out for her father. “Ten percent today, sir.”
2. The father reads it slowly. “And yesterday?” Tyler: “Yesterday was different.” “And last year?” Tyler taps 1Y and doesn’t look up.
3. The mother: “We’ve never had an app. There’s a man.”
4. The button. The father, handing the phone back: “Ten percent in a day. Is that allowed?”

Set: the same green day as at brunch. Old money never opens a phone in this one, which is the point.

Crypto skits

Two on Pozer’s crypto exchange, which can count its total in bitcoin, and its crypto wallet: original designs with no exchange’s or wallet’s name or logo. There are more in crypto skit ideas.

14. The crypto bro and his nan

Cast: 2 people. Reveal on the crypto exchange: the headline, counted in BTC: 40.00000000.

1. Sunday lunch. Kai explains bitcoin to his nan, slowly. “It’s digital money, Nan. You wouldn’t get it.”
2. “We’re so early.” He shows her a green line on his phone. Nan: “Lovely, dear.”
3. Kai: “Honestly, you should get some. Even a little.” Nan: “How many have you got?” Kai: “It’s not about how many.”
4. Nan finds her reading glasses, opens an app and turns the phone round: 40.00000000 BTC. “Your grandad bought them. He liked the name.”
5. The button. Kai: “Nan, could I borrow…” Nan: “We’re so early, dear.”

Set: Value shown in BTC, one holding of 40 BTC, the futures wallet at 0 and its two positions deleted. Turn Live prices off and type the price, so every take shows the same figure.

15. “My friends think I’m rich”

Cast: 3 people. Reveal on the crypto wallet: Generational Wealth, at $312.48.

1. Planning a group holiday. Everyone assumes Jay will cover the villa. “You’re in crypto.” Jay: “Obviously.”
2. The slips: “I’m in a lot of positions.” “I don’t look at it in dollars.” “It’s long term. Very long.”
3. They want to book tonight. Jay: “The money’s sort of… resting.”
4. They make him open the wallet: Generational Wealth, $312.48, with $41,587.52 down All time in red under it, and an invented coin called FOREVR down 93%.
5. The button. Jay: “It’s generational. My grandchildren will be fine.”

Set: Live prices off and Change period on All time. The joke is Jay’s front, not the amount. The “my friends think I’m rich” guide has this wallet’s figures and four more reverse flexes.

Office skits and the store owner

Invent the company first: a name you have searched and found unused, a logo you made for the aprons, the boxes and the dashboard, and a set you control. Shelves and a packing table in a garage read as a stockroom on a phone camera. Every face is cast. Never stage these at a real business, around real staff or customers, or “undercover” on anyone who doesn’t know they’re being filmed.

The screen is Pozer’s store dashboard, an original design in the style of an online store admin, with no store platform’s name or logo. Home carries the store’s logo and name, the owner’s initials and the day’s Total sales. Tap the Today pill and it steps to Last 7 days, then Last 30 days, worked out from what you type for today: $84,312.60 today reads $2,217,421.38 over the month.

16. The new hire owns the company

Cast: 3 or 4 people. Reveal on the store dashboard: Today, then Last 30 days.

1. Dana’s first day, in a brand-new apron with the Fernhill logo. Grant, the shift manager: “Every jumper gets refolded. By hand. Then again, properly.”
2. Theo shows her the folding trick and shares his crisps. Grant takes credit for Theo’s work and keeps him late. Dana is hopeless at the job she owns.
3. Grant, to Dana: “Do you even know what this place makes in a day? More than you’ll see in a year.” Dana: “Eighty-four thousand, three hundred and twelve dollars. And sixty cents.”
4. She turns her phone to him: Fernhill Goods, $84,312.60. She taps Today, Last 7 days, Last 30 days: $2,217,421.38. Grant looks at the logo on his apron, then at the one on her phone.
5. The button. “You’re not fired. You’re on folding.” Theo gets her keys and a badge that says Store manager.

Keep the reward a scene, never money changing hands on a phone, and let the manager’s last moment be his face, not an apology. Cast the boss for comedy: the part is being bad at small tasks with dignity.

17. The intern owns the company

Cast: 3 people. Reveal on the store dashboard: already on Last 30 days.

1. Fernhill’s office. Priya, a senior manager, sends the new intern for coffee twice in one morning and gets her name wrong both times.
2. Priya presents the intern’s idea in a meeting as her own. The intern says nothing.
3. Priya puts the month’s numbers on the screen, rounds them up, and calls it “our best month ever, thanks to my team”.
4. The intern, quietly: “It was two million, two hundred and seventeen thousand.” She slides her phone across the table, already on Last 30 days, the company’s name across the top.
5. The button. Priya: “Can I get you a coffee?” The intern: “Get one for everyone.”

18. The cleaner is the CEO

Cast: 2 people. Reveal on the store dashboard: Orders, one tap on Fulfill items, then Home.

1. The warehouse at night. The new cleaner is talked over and blamed for a mess he didn’t make.
2. The shift lead complains about “management” to the cleaner, because the cleaner doesn’t count.
3. The cleaner notices three orders sitting by the door. “These have been waiting since Tuesday.” The shift lead: “Not your job.”
4. He opens his phone to Orders: the three at the top, Unfulfilled, Tuesday. He taps one, taps Fulfill items, and it turns to Fulfilled. Then he goes back to Home and turns the phone round.
5. The button. The shift lead picks up the mop. The cleaner hands him a second one.

Set: When on each order is words you type, so “Tuesday at 2:14 PM” works. Put those three at the top as Paid · Unfulfilled, and Orders to fulfill at 3. A fulfilled order stays that way until the app is closed, so reopen it between takes.

19. The reveal backfires

Cast: 2 people. Reveal on the store dashboard: a terrible day, every change in red.

1. The usual set-up: the rude manager, the quiet new hire, the boast about the company.
2. The new hire turns the phone round with total confidence.
3. The dashboard is having a terrible day: every change is down, in red.
4. A long pause. The manager: “So, if you own it… whose fault is that?”
5. The button. The boss puts the phone away. “Back to folding. Both of us.”

Set: the three change % fields at −31.2 for sales, −8.4 for sessions and −24.6 for orders. That puts all five figures down in red, because conversion and average order follow from the other three.

20. The little candle shop

Cast: 2 people. Reveal on the store dashboard: her own store, tapped through to Last 30 days.

1. Sunday at home. Rosa’s brother: “How’s the candle thing? Still a hobby?” Rosa: “It’s going okay.”
2. “Can’t do Saturday. I’m at the warehouse.” “You have a warehouse?” “The second one’s mostly empty.”
3. He pitches her his own side-hustle idea, explaining at length how selling online works.
4. He asks to see her “little shop”. She hands him the phone: her store’s name across the top and the day’s sales. He taps Today until it says Last 30 days.
5. The button. He hands the phone back. “Are you hiring?” Rosa: “Can you pack boxes?”

Set: a store name (up to 24 characters) and a logo you made, Notifications at 0, and Products renamed as candles, for an insert of that tab. Any small-sounding business works, if you invented it.

Hooks, the POV line, length and a series

Most of these go out as POV videos, with one line of text pinned across the top for the whole video. It does the setup, so the first slip can land in the first two seconds. Name the character and the claim, not the number:

• “POV: your friend who swears he’s middle class”
• “POV: the flatmate who charges you for bin bags”
• “POV: the new guy at work who doesn’t know when payday is”
• “POV: old money and new money at the same brunch”
• “POV: you were rude to the new hire”
• “POV: you explained bitcoin to your nan”

Keep the number out of the hook and the first frame: a face reacting to a slip opens better than a phone, and the number is the reason to watch to the end. Most of these run thirty to sixty seconds, with slips about ten seconds apart and the reveal three quarters of the way through. The same cut works on TikTok and YouTube Shorts; keep the POV line in the top third, clear of the buttons each app lays over the video.

The office skits run sixty to ninety seconds and split into two parts: end part one on “More than you’ll see in a year”, with the boss reaching for her pocket, and open part two on the phone turning round.

Any of them works as a series. Keep the character, the cast and the app, and give each episode a new excuse and new slips. Running jokes cost nothing: the rich friend’s savings nickname changes every episode (Allowance, Pocket Money, Other), and old money’s number never moves.

How to film the phone

The camera work is the same as for any phone insert, and the guide to filming a phone screen has the full method. What these skits add:

• Set the eye before every take. Hidden balances don’t survive the app being closed, so open it, tap the eye, check for dots, then roll.
• Shoot the reveal twice: a wide on the tap and the faces, and a locked-off insert of the screen with the thumb coming in. Cut on the tap, and hold the insert two clean seconds.
• Frame the two phones differently. New money’s comes at the lens, moving. Old money’s is held still at arm’s length.
• Every app opens where it started: the bank app on Accounts with the balances showing, the trading app on 1D, the store dashboard on Today.
• Brightness up, Do Not Disturb on, auto-lock off, and not airplane mode: these are web apps with no offline copy. A real notification mid-reveal ends the take.
• Know what a close-up shows. Free apps carry a visible Pozer mark, and a close-up will show it. Pro, at US$4.99/wk or US$12.99/mo, removes it from your own apps on up to five devices where you’re signed in. It comes off on a phone where you are signed in, not wherever the link is opened, so sign in on the actor’s phone.

Set up the phone for the reveal

Each screen is an app you fill in yourself in a browser, with a live preview beside the fields, one app per character, installed on the phone that actor holds. Building, publishing and installing are free. For the bank app, which most of these skits use:

1. Name the bank. Pozer suggests four made-up names: Halvern, Norwyn, Tolmere and Brackwell. Check yours isn’t a real bank’s where the video will be seen, and settle the name and icon before you install: an iPhone keeps the ones it was added with.
2. Name the character and type the balances to the cent. Accounts greets the owner by first name. $3,418,685.58 reads as an account; $3,000,000.00 reads as a number someone typed.
3. Let the nicknames tell the joke. Up to 28 characters each, shown on Accounts and on the account’s own page. Switch the credit card off so the screen holds a total and two accounts.
4. Write the lines a close-up will read. Up to 30, with dates written as words. Lines don’t move balances, so make the sums agree yourself.
5. Install it on the actor’s phone. Press Create home-screen app, confirm your email with the six-digit code, and open the link on that phone: Safari, then Share and Add to Home Screen on iPhone; Chrome, then Install app on Android. Your Edit button stays out of shot until two fingers are held still on the screen; on iPhone the first hold asks you to sign in, so do it first.

The guide to a fake bank app for film walks through every screen of the bank app.

What the apps won’t do

1. Pay anyone, or show a payment. Any bill in these skits is settled off camera; the number is the punchline.
2. Send a notification from the bank app, or change a balance while the actor watches.
3. Show a whole account number. Only the last four digits exist.
4. Carry a real bank’s, broker’s, exchange’s or store platform’s name or logo.
5. Stand in for real money, real returns or real sales in front of anyone. That is the line at the top.

Skits with a guide of their own

• The gold digger test prank: five staged setups for a reveal on a date.
• Crypto skit ideas that need a working wallet.
• “My friends think I’m rich”: five reverse-flex crypto skits.
• Friend asks to borrow money: five skits where the phone answers.
• The “I won the lottery” prank, with the win on your own phone.
• The fake bank app for film, screen by screen.

Otherwise, start with the bank account app.