President Biden invited a bunch of Gen-Z influencers to the White House to watch his State of the Union address -- and one person in the mix has the inside scoop on how it went.

Tiffany Aliche -- an author and renowned financial expert -- came on "TMZ Live" Friday to break down what it was like Thursday evening at 1600 Pennsylvania Ave. with all these young whipper-snappers and Tiktokers around ... 'cause there were a crap ton of them.

Aliche -- who's built a massive following on Instagram and TikTok educating people about money -- tells us that she was one of over 60 influencers who attended the highly publicized evening ... and that there was a mix of internet personalities in attendance.

So, no ... it wasn't just political influencers -- fashionistas were there, too, it seems.

The message was clear for those in attendance ... Biden and his staffers wanted to reach Gen Z -- with Tiffany recalling that POTUS praised the content creators as "critical" to his campaign since they have a massive reach. Out with the old, as they say!

On whether this influencer effort will sway young voters to vote for Biden this fall ... Tiffany isn't certain -- but she does think it helped with raising awareness.

As for the vetting process required ... Tiffany says she was surprised that she wasn't asked about her political preference before being invited. The only conditions ... respect the White House as a historical building and a military compound.

She didn't even have to post if she didn't want to -- which sat well with Tiffany.

Other influencers invited to the White House ahead of the State of the Union included strategist Keith Edwards, activist Aaron Parnas, and "The Real Friends of WeHo" star Joey Zauzig.