Vivian Tu

Things Vivian Says on Podcasts

Founder and CEO of Your Rich BFF, a financial education media company, and former trader at J.P. Morgan who later worked in digital media sales at BuzzFeed. Started making money videos on TikTok in 2021 and went full time as a creator in 2022. Wrote Rich AF: The Winning Money Mindset that Will Change Your Life, a New York Times bestseller. Hosts Networth and Chill with Your Rich BFF, and has appeared as a guest on Pivot, Masters of Scale, The Journal, Young and Profiting with Hala Taha and The GaryVee Audio Experience. Named to the Forbes 30 Under 30 list.

Where to Find Them

Vivian Tu hosts Networth and Chill with Your Rich BFF , writes The Burnouts with Phoebe & Sophia and writes Here's the Scoop . They have also been a guest on Financial Feminist (2 times) , Friends That Invest (2 times) , The GaryVee Audio Experience (2 times) , Ambition 2.0 , Working Hard with Grace Beverley , BigDeal , Schwab Network , Young and Profiting with Hala Taha (Entrepreneurship, Sales, Marketing) , Nice Talk with Nikki Ogunnaike , The Stacking Benjamins Show , Aspire with Emma Grede , So Money with Farnoosh Torabi , The Journal. , FranklinCovey On Leadership , Marketing School - Digital Marketing and Online Marketing Tips , Money Rehab with Nicole Lapin , Masters of Scale and Pivot (Kara Swisher & Scott Galloway) .

Recently: “Don't make this negotiation mistake (And the $5K Move That Pays Off Every Year)” on Networth and Chill with Your Rich BFF (November 2026); “Are You Better Off Than Before the Last Election? Let's Check the Receipts” on Networth and Chill with Your Rich BFF (October 2026); “Why the Economy Hasn’t Collapsed Yet & What the Data Actually Says” on Networth and Chill with Your Rich BFF (October 2026); “How Campaign Money Actually Works and What It Tells You About Who Politicians Serve” on Networth and Chill with Your Rich BFF (October 2026); “The Unwritten Job Interview Rules Gen Z Needs to Know” on Networth and Chill with Your Rich BFF (October 2026); “The Trump Coin Breakdown, How a Presidential Meme Coin Became a $1.5 Billion Revenue Machine” on Networth and Chill with Your Rich BFF (October 2026).

What They Said

“Say you're 30 years old and making $75,000 a year. If you ask for, and get, a 5% raise right now, and that's the only time in your whole life that you do that, that's a difference of over $200,000. That's one negotiation, one time, that gained you half of the median price of a house in the U.S. right now.” — Vivian Tu, Networth and Chill with Your Rich BFF

Opening a solo episode on negotiating pay, Tu shows why one uncomfortable conversation early in a career compounds over decades. She says the figure comes from a negotiation calculator.

Networth and Chill with Your Rich BFF · 2026-11-04 Permalink → Listen →
Networth and Chill with Your Rich BFF Around 00:00 into the episode
Vivian Tu

What if your salary is $100,000? You're 35 and you managed to secure a 10% raise. Holy smokes, you just scored yourself an extra half a million dollars. But there are so many other things you can be asking for in your negotiations when you start a job or really just whenever you feel you're worth more compensation. The point is, if it's going to make you a better employee and more likely to stick around so your company doesn't have to go through the hiring process, it's probably worth asking for. I mean, really, the sky's the limit here. Here's how we're going to ask for it. What's up, rich friends? Welcome back to another episode of Networth and Chill with me, your host, Vivian2, aka Urich BFF, and your favorite Wall Street girly. So we're going to do a fun little experiment really quick. Raise your hand if you've ever thought about asking for a promotion, but were so concerned you get fired just for asking that you decided not to ask at all. Now, raise your other hand if you think you're worth more than what you're currently making. If both of your hands are in the air, give yourself a…

Speaker 2

Support for the show comes from Google Gemini. You know that moment when curiosity strikes? You're exploring a new city with a family and a sculpture catches your daughter's eye. What is that? Who made it? With Gemini, you can snap a picture and get a fully interactive breakdown of its history…

Vivian Tu

First and foremost, what is negotiation and why is it important? The Merriam-Webster dictionary defines negotiating as to confer with another so as to arrive at the settlement of some matter. Wikipedia says it is a dialogue between two or more parties to resolve points of difference, gain an…

Speaker 2

Support for the show comes from Google Gemini. You know, that moment when curiosity strikes? You're exploring a new city with a family, and a sculpture catches your daughter's eye. What is that? Who made it? With Gemini, you can snap a picture and get a fully interactive breakdown of its history…

Speaker names come from our own diarization. The position is estimated from where the line sits in the episode.

Collections They Appear In