Referral links to products and such are indeed allowed on youtube just make sure it's relevant to the topic--additionally you might need to sign up to be an affiliate. What exactly are you looking to include in your videos as far as links go? Alternatively, as seoincorporation mentioned, you could always go a different route and make your own blog/website.
Precisely, referral of the kind of Ad. fly and such are the ones that can make your account to be banned on the Youtube if you receive some denounces for that, sorry for my lack of detail.
If you have a Steemit Dtube account I believe this is going to have a better feed. Anyway, Youtube is a great platform if what you want is just to share your knowledge and share links to your personal site, for monetizing the video you will need at least 1.000 subs and more than 4 hours of visualization. The more subs you have, the more you appear on the feed of the YouTube.
Adsense is the platform related to monetization and they ask you all your personal data. On the contrary, in Dtube you can get SteemCoin by the voting system and you only have to provide your cellphone.