When it comes to making money, one advisor has the following message for prospective millennial clients: "You gotta work!"

Los Angeles-based planner Brittney Castro delivered that message in a rap video about saving that she wrote, produced and starred in. The two-minute video urges its audience to think smartly about saving. As she appears in several costumes -- and at one point wearing serious bling -- Castro articulates simple money lessons, such as reminding viewers to save at least 20% of their income, while 50% should go to expenses and 30% is money "for you to blow."

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