I don't in any way, shape, or form recommend listening any self proclaimed YouTube prophet. It's better to attend a good church and leave that sort of person well alone.
But, for sound financial advice it's good to have a savings account where you place 10% of your paycheck every payday. This way if you have a real emergency there will be money in the bank account to fall back on.
You never know if you'll find yourself out of work for health reasons and more unforseen difficulties where a savings account will be a godsend. Financial experts recommend having enough in a savings account to support yourself in total for at least 6 months, if not longer. And you begin that 10% at a time. It may not seem like much in the beginning, but it adds up.
That said, no to a secret account. I don't even know what that means.