Networth and Chill with Your Rich BFF

Hosted by Vivian Tu

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130

Latest episode

Jun 2026

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About the show

Vivian Tu, aka Your Rich BFF, is getting up close and personal, about the good, bad, and ugly on how money impacts all of our lives. Instead of your traditional boring business podcast, Networth and Chill covers financial topics as they relate to YOUR ACTUAL LIFE, all while feeling like a conversation with your best friend. Each episode breaks down a complicated economic or business concept into easy to understand terms, while tapping experts, professionals, and some of your favorite famous faces to give actionable tips & advice on how to make the most of your money. Grab a drink and get ready to Networth and Chill. Part of the Vox Media Podcast Network.

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60 recent

June 10, 202638 min

Wedding Industry Secrets the Knot's CEO Doesn't Want You to Miss

Vivian sits down with Raina Moskowitz, CEO of The Knot Worldwide, for a conversation about the real cost of weddings and how to plan a celebration you love without sabotaging your financial future. From six-figure budgets and social media pressure to vendor negotiations and wedding debt, Raina breaks down what couples actually need to know before saying “I do.” In this episode, you'll learn: 1. Why weddings have become so expensive, how social media has transformed the industry, and what couples should realistically expect when building a wedding budget in 2026. 2. The biggest financial mistakes engaged couples make during the planning process, how to spot overpriced vendors, and red flags to watch for when hiring people for your big day. 3. What’s actually worth splurging on versus saving on, plus practical strategies for sticking to your wedding budget, avoiding unnecessary debt, and planning a celebration that supports your long-term financial goals as a couple. Check out The Knot! Follow the podcast on Instagram and TikTok! Got a financial question you want answered in a future episode? Email us at podcast@yourrichbff.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

June 3, 202628 min

The Only Finance Guide New Grads Actually Need

Check out the episode that covers everything you need to know about the job search here: https://www.youtube.com/watch?v=Z46_PadPH2o Vivian gets real about all the financial advice she wishes someone had given her when she graduated college. From credit scores and student loans to negotiating your first salary and understanding retirement accounts, this episode is the crash course every recent grad actually needs before stepping into the real world. In this episode, you'll learn: 1. The financial basics every new grad needs to understand immediately– including credit scores, student loans, budgeting, emergency funds, and why your first salary negotiation matters more than you think. 2. How to tackle debt strategically, build healthy money habits early, and set yourself up for long-term wealth through retirement accounts, investing, and compound interest. 3. Practical advice for navigating the 2026 job market, increasing your income, negotiating job offers, and building financial stability even if you’re still figuring everything out. Follow the podcast on Instagram and TikTok! Got a financial question you want answered in a future episode? Email us at podcast@yourrichbff.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

May 27, 202627 min

Klarna, Affirm & Afterpay: What Your Buy Now, Pay Later Apps Aren't Telling You

Vivian dives into the truth about Buy Now, Pay Later services and why splitting a purchase into “four easy payments” might be way more dangerous than it looks. In this episode, she breaks down how companies like Klarna, Afterpay, and Affirm exploded in popularity, why these payment plans are changing the way people shop, and how BNPL can quietly wreck your budget and credit score if you’re not careful. In this episode, you'll learn: 1. What Buy Now, Pay Later services actually are, how they evolved from old-school layaway programs, and why modern BNPL combines some of the riskiest parts of both layaway and credit cards. 2. Why BNPL can encourage overspending, how multiple small payments create a false sense of affordability, and what happens to your credit score if you miss a payment. 3. Who should and definitely should not use BNPL services, plus Vivian’s preferred alternatives for building credit, managing cash flow, and making purchases without borrowing against your future income. Follow the podcast on Instagram and TikTok! Got a financial question you want answered in a future episode? Email us at podcast@yourrichbff.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

May 25, 202627 min

Financial Indelity, Bad Credit, and the Money Secrets Partners Keep | Am I the Financial A-Hole?

In this next installment of "Am I The Asshole? Finance Edition," Vivian is back to sort through the financial disasters you've been too afraid to say out loud, calling out who's actually in the wrong with zero sugarcoating. In this episode, you'll learn: 1. How to set financial boundaries without blowing up your relationships and how to recognize when someone's counting on you being too uncomfortable to enforce them. 2. What you actually owe people in tangled money situations: think joint purchases that go south, informal loans that never get repaid, and group dynamics where one person is quietly carrying everyone else. 3. How to stop letting guilt, obligation, and "but they're family" override your financial common sense, plus Vivian's takes on when generosity becomes a pattern you need to break. Follow the podcast on Instagram and TikTok! Got a financial question you want answered in a future episode? Email us at podcast@yourrichbff.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

May 20, 202656 min

The Truth About Networking (And What Most People Get Wrong)

Vivian sits down with Danielle Robay, the journalist Forbes called the “Queen of Questions” and host of Question Everything and Reese’s Book Club podcast, for a conversation about the underrated skill that can change your career, relationships, and life: knowing how to ask good questions. From networking and career pivots to money conversations and personal growth, Danielle breaks down why curiosity might be one of the most valuable assets you can build. In this episode, you'll learn: 1. What makes someone a genuinely great conversationalist, how to ask questions that actually lead to meaningful answers, and the networking mistakes most people don’t realize they’re making. 2. How to navigate difficult or awkward conversations, from bringing up money with partners and friends to asking smarter questions during interviews, coffee chats, and career transitions. 3. How Danielle defines success beyond financial achievement, the mindset shifts that help people keep growing instead of staying stuck, and why curiosity, connection, and self-awareness matter just as much as ambition. Follow the podcast on Instagram and TikTok! Got a financial question you want answered in a future episode? Email us at podcast@yourrichbff.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

May 18, 202638 min

My $625K Leap: How I Built Your Rich BFF

Vivian gets candid about how she built Your Rich BFF, what it really took to leave a $625K-a-year job, and the financial strategy behind becoming a full-time entrepreneur. In this episode, she breaks down the realities of betting on yourself in the creator economy, from building a financial runway and managing unpredictable income to navigating imposter syndrome, scaling a business, and knowing when it’s actually time to make the leap. In this episode, you’ll learn: 1. How Vivian went from posting finance videos after work to building Your Rich BFF into a multimillion-dollar business. 2. What aspiring entrepreneurs need before quitting their jobs, from emergency funds and business plans to cash flow forecasting, tax planning, and diversifying income streams, so you’re not relying on one paycheck. 3. How to survive the emotional and financial realities of entrepreneurship, including managing risk, avoiding lifestyle inflation, handling imposter syndrome, and building a business that can actually sustain you long term. Follow the podcast on Instagram and TikTok! Got a financial question you want answered in a future episode? Email us at podcast@yourrichbff.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

May 13, 202632 min

Are YOU The Financial A-Hole? (Real Money Dilemmas Answered)

Vivian is back by popular demand with another round of “Am I The Asshole? Finance Edition,” where she dives into your messiest money dilemmas and delivers her unfiltered verdict on who’s actually in the wrong. From inheritance drama and relationship debt disasters to wedding expenses, friendship resentment, and family financial guilt trips, this episode proves that money can make even the closest relationships extremely complicated. In this episode, you'll learn: 1. How to navigate financial boundaries with partners, friends, and family members, including when helping someone financially crosses the line into being taken advantage of. 2. What people actually owe each other in messy money situations, from destination wedding cancellations and shared travel costs to scams, loans, and group expenses that suddenly become awkward. 3. How to protect your own financial future while still showing up for the people you care about, plus Vivian’s honest takes on guilt, entitlement, resentment, and the emotional side of money no one teaches you about. Follow the podcast on Instagram and TikTok! Got a financial question you want answered in a future episode? Email us at podcast@yourrichbff.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

May 6, 202649 min

The Meme Economy: How Tank Sinatra Turned Internet Jokes into a Multi Million Dollar Business

Vivian sits down with Tank Sinatra, the meme king behind @tanksgoodnews, @influencersinthewild, and his personal account @tank.sinatra, to talk about what happens when jokes become a business and viral moments reshape the way we think about money. With over 15 million followers, Tank breaks down the meme economy, what brands are actually paying for a single sponsored post, and why meme culture, think GameStop and Dogecoin, is quietly changing how a whole generation thinks about wealth and value. In this episode, you'll learn: 1. What the meme economy actually is and how to know when a meme is worth investing in, and when it's cooked, straight from one of the biggest meme account moguls on the internet. 2. How much creators like Tank really make, from the breakdown of income across platforms to what a single brand partnership post can pay, and why major companies are throwing serious money at joke accounts. 3. How meme culture has reshaped the way we define value, wealth, and smart money moves, and what that means for your own financial thinking in a world where cultural currency drives real markets. Follow the podcast on Instagram and TikTok! Got a financial question you want answered in a future episode? Email us at podcast@yourrichbff.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

April 29, 202631 min

Smart Money Moves Every Wedding Guest Needs to Know This Season

Vivian gets real about how to survive summer wedding season without blowing your budget. In this episode, she breaks down the true cost of being a wedding guest, from the obvious expenses to the sneaky ones no one warns you about, and shares exactly how to celebrate your friends without putting yourself in a financial hole. In this episode, you'll learn: 1. What attending a wedding actually costs… from gifts and travel to hidden expenses like outfits, pre-wedding events, and all the little things that quietly add up. 2. How to build a three-tier wedding budget so you can confidently decide what you can afford, avoid overspending, and know when it’s okay to say no. 3. The smartest ways to save on wedding travel, including credit card strategies, booking hacks, and international tips like VAT refunds that can put real money back in your pocket. Follow the podcast on Instagram and TikTok! Got a financial question you want answered in a future episode? Email us at podcast@yourrichbff.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

April 22, 202624 min

The Federal Reserve Breakdown Everyone Needs

Check out and download Vivian's new app, ⁠Ask Dolly! Vivian gets candid about what the Federal Reserve, aka the Fed, actually is and how it affects you! In this episode, she breaks down everything you need to know about the Federal Reserve to make wise and informed decisions with your money. In this episode, you'll learn: 1. What the Federal Reserve actually is, why it was created, and how this one institution quietly controls the interest rates on your mortgage, credit cards, student loans, and retirement savings. 2. What it actually means when the Fed raises or cuts rates: who wins, who loses, and why their decisions almost never make everyone happy at the same time. 3. Why Trump's push to fire Fed Chair Jerome Powell and board member Lisa Cook is such a big deal, what it would mean for your wallet if he succeeds, and why both Republicans and Democrats are drawing the line here. Follow the podcast on Instagram and TikTok!Got a financial question you want answered in a future episode? Email us at podcast@yourrichbff.com Learn more about your ad choices. Visit podcastchoices.com/adchoices