You suggested that someone adequately compensated was suspicious if they had some other media angle on the side. I asked what the cut off was. Would it be OK if they were poorly compensated?
If you have a degree and a job that would provide you a pretty affluent life, then I question the motive of your youtube channel. What that is for every person is different and doesn't disqualify them from being legitimate but I will always start with being skeptical of these people.
I learned to beware the guy trying to sell you some incredible financial advice. If it was so incredible, he wouldn't have to sell it now would he?