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VT Vivian Tu Vivian Tu 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.

“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.”

Networth and Chill with Your Rich BFF · Money & Markets · November 2026

“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

Context

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.

Transcript

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.