Should I have multiple YouTube channels for different subjects?

The are a few things that you can do with your YouTube channel. You can have a different YouTube channel for different subjects or you can have different playlist on the same YouTube channel. With the different playlist, I try to keep the niche one the same channel. if I was doing a channel on fishing, I may have different playlist for fishing rods and different bait but it’s still under the fishing niche. I have an YouTube channel about how to make money online and I have a different talking about the stock market. I could have had both channel under one and just had different playlist but I pick a whole new channel.