It's Vivian's birthday and she's giving YOU the gift. Turning 32 means it's time for 32 real life and money lessons. 

In this episode, you'll learn:

Why you should never take advice from anyone you don't want to be, why the harder path isn't always the right one, and the small daily habits that actually move the needle on your finances and your life, way more than grinding on hard mode ever will.

Why individualism is quietly making you broke, why you should never take the first salary offer, and how negotiating, not just at work, but in every area of life, is the skill that separates the people who get what they want from the people who leave money on the table.

The real lessons about love, friendship breakups, family and money boundaries, and learning to sit with the hard stuff instead of running from it. Plus why rest, spite, and a popsicle in the shower might be the most underrated tools in your arsenal.

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Host: Vivian Tu 

Producer: Grace Rittenhouse

Editor: The Fringe Label 
Got a financial question you want answered in a future episode? Email us at [email protected]

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Vivian sat down live at SXSW with California Governor Gavin Newsom for a candid conversation about why everything feels so expensive right now, how the government is and isn't showing up for everyday Americans, and what it will actually take to close the wealth gap.

In this episode, you'll learn:

How Governor Newsom's upbringing between two very different worlds — his mom working multiple jobs and his dad's connections to the Getty family — shaped the way he thinks about wealth, power, and opportunity, and what his experience as a small business owner taught him about the difference between running a company and running a government.

The biggest financial obstacles standing between Americans and a better quality of life today, why generational wealth and the housing crisis sit at the center of the problem, and what policy changes could actually move the needle structurally.

How to think about the role of government in your personal finances, what resources already exist that most people aren't taking advantage of, and what Governor Newsom believes is flying under the radar that every American should be paying attention to right now.

What Governor Newsom would do if he could pass one economic policy tomorrow with zero opposition, whether AI will make inequality worse before it gets better, and — because Vivian had to ask — what's actually next for Gavin Newsom.

Check out Governor Newsom’s new book YOUNG MAN IN A HURRY!

Follow the podcast on Instagram and TikTok!

Host: Vivian Tu 

Producer: Grace Rittenhouse

Editor: The Fringe Label

Got a financial question you want answered in a future episode? Email us at [email protected]

Support from the show comes from Hostinger: http://hostinger.com/richbff

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Vivian sits down with Julissa Prado, founder of Rizos Curls, for a candid conversation about what it really takes to build a beauty brand from scratch and what it costs, personally and financially, to bet on yourself as a Latina entrepreneur.

In this episode, you'll learn:

How Julissa's lifelong search for products that actually worked for her curls turned into a business; including how much she personally invested to get Rizos Curls off the ground, what the early bootstrapping days really looked like, and where the name came from.

The money lessons Julissa grew up with, the ones she had to unlearn, and how her relationship with money evolved from before she became an entrepreneur to building a brand with a loyal, growing customer base.

The real revenue numbers behind Rizos Curls; her best months, her worst months, how much gets reinvested in the business, the biggest financial mistake she made while building, and how she decides what to pay herself as the founder.

How community has always been at the heart of Rizos Curls, why uplifting immigrant and Latina communities is central to the brand's mission, and how Julissa has used her platform to fundraise and drive real impact.

Keep up with Julissa https://www.instagram.com/julissa_prado/ and Rizos Curls https://www.instagram.com/rizoscurls/

Plus use code RICHBFF to get 10% off your Rizos Curls purchase between March 11– April 11!

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Got a financial question you want answered in a future episode? Email us at [email protected]

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Vivian takes the stage at 92NY in New York City for a live book tour celebration of her second book, Well Endowed — and Heather McMahan is there to make sure things get a little chaotic. In front of a packed crowd, the two sit down for an unfiltered, hilarious, and genuinely eye-opening conversation about money, financial honesty with your partner, real estate and so much more.

In this episode, you'll learn:

What Well Endowed is really about — the thesis behind the book, why Vivian wrote it, what she wished she knew before she started, and the ideas she kept coming back that made her realize this needed to be a whole second book.

The biggest money misconceptions people have about getting older and building wealth, why the personal finance conversation has shifted dramatically in the last few years, and the core wealth-building principles she believes are non-negotiable no matter what the economy is doing.

Why everyone needs to understand trusts and wills. Plus, the estate planning basics Vivian breaks down in Well Endowed, why most people put it off until it's too late, and the surprisingly simple steps you can take right now to protect your wealth, your assets, and the people you love, no matter how much (or how little) you have in your bank account.

Get your copy of WELL ENDOWED at https://www.yourrichbff.com/wellendowed

Special thanks to Heather McMahan for being an amazing moderator! Keep up with Heather on Instagram!

Follow the podcast on⁠ Instagram⁠ and⁠ TikTok⁠!

Got a financial question you want answered in a future episode? Email us at [email protected]

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Vivian sits down with Tori Dunlap, founder of Her First 100K and NYT bestselling author of Financial Feminist, for a conversation about money, power, and what it really takes for women to build wealth in 2026. Tori saved $100K by 25, turned that milestone into a multi-million dollar media company, and has spent years educating women about the importance of financial independence. 

In this episode, you'll learn:

The actual strategy behind saving $100K by 25 — the salary, the sacrifices, the timeline, and how to realistically hit that milestone in today's economy without the privilege-blind advice that makes you want to throw your phone across the room.

Why financial feminism is so much more than a buzzword: how the gender wealth gap, the pressure women face around money, and the lack of representation in investing spaces make building wealth as a woman a fundamentally different — and political — act, and what Tori is doing to change that.

What it takes to turn a personal finance win into a business empire, from the toughest decisions Tori has had to make as a founder, to why she believes women owning companies is one of the most powerful wealth-building moves of our generation, and the one money move everyone should be making right now.

Keep up with Tori on Instagram and at https://herfirst100k.com/. Plus, listen to Financial Feminist wherever you get your podcasts! 

Follow the podcast on Instagram and TikTok!
Got a financial question you want answered in a future episode? Email us at [email protected]

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Vivian sits down for an honest conversation with Zarna and Zoya Garg, the hilarious mother-daughter duo redefining what it means to build wealth, legacy, and success on your own timeline. Zarna went from Mumbai to Ohio, from lawyer to matchmaking entrepreneur to selling out comedy shows at 40—proving it's never too late to reinvent yourself. Now, she's touring with comedy legends, landing Hulu specials, and her daughter Zoya is right there building her company alongside her. Together, they're breaking down the immigrant money mindset, the real cost of chasing your dreams mid-life, and why the timeline we're sold for success is complete BS.

In this episode, you'll learn:

The financial reality of reinvention, what it actually takes to walk away from a stable career at 40.

How immigrant family dynamics shape your relationship with money, risk, and ambition: from the pressure to pursue "safe" careers to navigating conversations about wealth, inheritance, and financial independence across generations.

What happens when you build a family business in the age of "nepo baby" discourse, how Zoya convinced her traditionally-minded mom she was the best person to grow the Garg empire, the money conversations every family should be having (but aren't), and why betting on yourself and your people might be the smartest financial move you ever make.

Keep up with Zarna and Zoya! Check out their podcast. 

Follow the podcast on Instagram and TikTok!

Got a financial question you want answered in a future episode? Email us at [email protected]

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Order Vivian’s second book WELL ENDOWED OUT NOW!

Vivian sits down for an honest conversation with Victoria Garrick Browne, former Division I athlete turned body positivity advocate, content creator and entrepreneur, about the "skinny girl industrial complex" and why chasing beauty standards is designed to keep us broke and insecure. Victoria breaks down the finances behind trying to look "perfect," and reveals what it actually takes to invest in yourself beyond the price tag.

In this episode, you'll learn:

The brutal truth about beauty economics and how multi-billion-dollar industries profit from our insecurities.

How to build a sustainable business around your values, from breaking down content creator income streams to choosing brand partnerships that align with your mission (and saying no to the ones that don't)

The real intersection of mental health and money, including how to break free from comparison culture, invest in your wellbeing without going broke, and build authentic self-worth in a world that profits from you feeling like you're never enough

Follow the podcast on Instagram and TikTok!

Got a financial question you want answered in a future episode? Email us at [email protected]

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Order Vivian’s second book WELL ENDOWED OUT NOW!

Vivian gets real about generational wealth and why it’s so important. In this powerful episode, she tackles what happens after you've nailed the financial fundamentals—how to build wealth that doesn't just serve you, but creates a lasting legacy for generations to come, even if you weren't born rich.

In this episode you'll learn:

What generational wealth actually is and why it matters for anyone trying to break cycles of financial struggle, plus the sobering statistics about wealth inequality that prove why building lasting wealth is an act of empowerment, especially for women and people of color

The practical steps to building generational wealth in today's economy, from leveling up your income and maxing out retirement accounts to navigating major wealth-building moments like buying a home, and why the "rent vs. buy" debate is way more nuanced than anyone admits

How to calculate your net worth, understand the Great Wealth Transfer that's reshaping America's financial landscape, and make sure your hard-earned money goes exactly where you want it—whether that's setting up beneficiaries on your Roth IRA or exploring trust funds to protect your legacy

Follow the podcast on Instagram and TikTok!

Got a financial question you want answered in a future episode? Email us at [email protected]

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Preorder Vivian’s second book WELL ENDOWED HERE!

Vivian tackles one of the most important investments you'll ever make: your children's financial future. In this essential and empowering episode, she breaks down how to raise money-smart kids who understand the value of a dollar, from toddlerhood to young adulthood, without creating entitled or financially dependent children.

In this episode, you'll learn:

Age-appropriate money lessons for every stage—from teaching preschoolers about saving to helping teenagers understand credit, investing, and the real cost of college

How to talk openly about family finances with your kids without oversharing, plus the critical conversations about inheritance, privilege, and wealth that most parents avoid

Vivian's proven strategies for setting up accounts, trusts, and financial tools that give your kids a head start while still teaching them independence and financial responsibility

Follow the podcast on Instagram and TikTok!

Got a financial question you want answered in a future episode? Email us at [email protected]

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Preorder Vivian’s second book WELL ENDOWED HERE!

Vivian tackles one of the most important (and often avoided) conversations in relationships: money. In this honest and practical episode, she breaks down how to navigate finances with your partner, from first dates to long-term commitments, without letting money become a source of tension or resentment.

In this episode you'll learn:

When and how to have "the money talk" with your partner—plus the key questions you need to ask before combining finances

Why financial compatibility matters just as much as romantic chemistry, and how to identify red flags early

Vivian's proven framework for creating a money system that works for both of you, whether you're splitting everything 50/50 or taking a completely different approach

Follow the podcast on Instagram and TikTok!

Got a financial question you want answered in a future episode? Email us at [email protected]

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