Thank you to Shopify for sponsoring this video. Start now at https://shopify.com/tigersisters    

Thank you SoFi for sponsoring this video. Sign up here: https://www.sofi.com/TigerPlus

Sign up for our newsletter here: https://cherieluo.substack.com/subscribe

Watch on Spotify. If you’re subscribed to Spotify Premium, you don’t get any Spotify ads on my video.

And if you want to see us IN PERSON, grab your free ticket now for our first ever LIVE EVENT in Los Angeles on Wednesday, May 20th: bit.ly/4w4BIbf

LADIES (and humans alike): You’re allowed to want to be rich. Full stop.

Today, we’re sitting down with Vivian Tu, former Wall Street trader turned founder of one of the most influential financial platforms on the internet, Your Rich BFF. From analyzing how the wealthy think during market downturns, to redefining what it means to be financially independent as a woman, Vivian shares the exact mindset shifts that can change your financial future.

Tune in for lessons on:

✅ How the rich actually build wealth during economic downturns

✅ Why consistent investing beats trying to “time the market”

✅ The concept of the “FU number” and how to calculate your own financial freedom

✅ How to recession-proof your career and think strategically about stability vs. growth

✅ Why women need to stop feeling ashamed about wanting money

✅ The truth about friendships, jealousy, and finding people who celebrate your success

✅ Smart scripts for navigating expensive life moments without going broke

This episode is a workshop on thinking like an investor, owning your ambition, and building a life where money works for you… not the other way around.

Timestamps:

01:42: Welcoming Vivian to the show 

02:06: How do you build wealth during a recession? 

05:17: The true definition of a recession 

05:53: All about a K-shaped economy 

07:36: Why the feeling of loss is more magnified than a win 

09:33: How you should recession-proof your job during a recession 

12:03: How to un-brainwash women when it comes to wanting money 

16:15: The 2 things to do to remind yourself you’re worthy of wealth 

21:02: How to navigate those who don’t celebrate your wins 

26:34: Being a bridesmaid on a budget 

33:28: Calculating your “F.U” number 

39:38: Leasing Vs. buying cars

43:38: Should we aspire to own a home in this economy? 

47:25: Would You Rather: Rich Girl Edition

51:05: Closing thoughts

🐯👯‍♀️ We’re the Tiger Sisters — your Wall Street & Silicon Valley big sisters Decoding Money • Power • Love

✨ New episodes every Monday | Shorts all week ✨

💌 Want to partner with us? 

Sponsorships: [email protected]

Why trust us?

▫️ Cherie Brooke Luo — 100M+ views demystifying tech, finance & MBAs

▫️ Jean Luo — ex-Goldman Sachs, ex-Snapchat exec, 50+ AI patents, startup investor

▫️ Together: 4 Ivy League degrees • built billion-dollar products • two startups — decoded for you

What you’ll get (and keep):

▫️ 🚀 Ivy League cheat sheets — no $250K tuition

▫️ Personal finance playbooks (salary, investing, negotiation)

▫️ Networking scripts behind $100M+ deals & job offers

▫️ Real conversations with CEOs, operators & investors

▫️ Mindset resets — clarity without the pricey coach

▫️ Systems for career, money, and long-term growth

💛 LET’S CONNECT

~ CHERIE ~

Instagram — /cherie.brooke

TikTok — /cherie.brooke

Substack — cherieluo.substack.com

LinkedIn — /cherie-luo

~ JEAN ~

Instagram — /jeanluo_

LinkedIn — /jeanluo

👉 Hit Subscribe & tap the 🔔, then leave a ⭐️⭐️⭐️⭐️⭐️ review on Spotify & Apple Podcasts. It takes 10 seconds and makes a massive difference in helping new people discover Tiger Sisters.

🛍️ Items:

🍵 Sisters Matcha — www.sistersmatcha.com

🌀 Everything else — https://amzn.to/3z0dx5b