Begging for help at this point

Hi! I’m starting a YouTube channel where I’ll primarily speak to the camera (I’m comfortable showing my face), but I’d like to incorporate AI-generated visuals to make my videos more engaging and improve retention.

I tried the free version of RunwayML, but I ran out of points just as I was starting to figure it out. I’m not looking to generate hyper-realistic people—more so 2D images and small animated scenes that fit my style. I’ve attached some inspiration to give you an idea of what I’m going for (I wouldn’t copy, just using it as a reference).

I’ve been searching YouTube for the best AI video generators, but most of what I find is either sponsored content or not very helpful for a complete beginner. I’m so new to this I don’t even know how I should structure a prompt. With so many options out there—and many of them being expensive—I don’t want to waste money on a tool that isn’t worth it.

Does anyone have recommendations for beginner-friendly AI video tools that can create 2D-style visuals? Any advice or resources would be greatly appreciated!!!