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Vivian is sitting down with Certified Divorce Financial Analyst® Michelle M. Smith and breaking down how to protect your money before, during, and after a divorce. From the assets people fight over most, to the red flags that signal financial danger in a relationship, this episode is your guide to navigating a split without losing your shirt (or your sanity).
In this episode, you'll learn:
1. What a divorce financial specialist actually does, including what a typical session looks like and how "high-net-worth" is defined when it comes to dividing assets.
2. The most contested assets and common mistakes people make in divorce, plus the red flags that indicate someone may be in financial danger in their relationship, and misconceptions about why women are more often the ones filing.
3. How to protect yourself financially in a relationship, including what to do before you say "I do," Michelle's honest take on the tradwife and stay-at-home girlfriend trend, and the one piece of divorce advice she thinks is total garbage.
Learn more about Michelle and her work at https://savantwealth.com/
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Vivian is breaking down why everything feels so expensive right now and what you can actually do to fight back. From the real economic forces driving up your grocery bill and rent, to the apps and hacks that can save you hundreds a month, this episode is your guide to surviving the cost of living crisis without losing your mind (or your savings).
In this episode, you'll learn:
1. Why prices keep climbing, including the three types of inflation driving up costs, plus how tariffs, the conflict with Iran, and decades of housing under-building are all colliding to hit your wallet at once.
2. Which costs have risen the most, from energy and housing to your weekly grocery run, and the real reasons behind it, including supply chain issues, labor shortages, and corporations holding onto record profits.
3. Vivian's favorite money-saving hacks, including how to negotiate a rent abatement, apps like Ibotta, GetUpside, and Too Good To Go, the best day of the week to fill up your gas tank, and how to actually win a health insurance appeal.
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Got a financial question you want answered in a future episode? Email us at [email protected]
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Saknas det avsnitt?
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Vivian is breaking down how to look expensive without spending a fortune. From secondhand shopping and clothing rental subscriptions to cashback hacks, VAT refunds, and the psychology behind why we overspend on fashion in the first place, this episode is your guide to building a wardrobe you love without blowing your budget.
In this episode, you'll learn:
1. Why so many of us overspend on clothes, how social media and targeted advertising influence our shopping habits, and the mindset shift that can help you spend more intentionally.
2. How to refresh your wardrobe for less through secondhand shopping, clothing swaps, buyback programs, resale platforms, and clothing rental services that can save you hundreds (or even thousands) of dollars each year.
3. Vivian’s favorite fashion-saving hacks, including when to shop for the biggest discounts, how to stack coupons and cashback rewards, and how international travelers can use VAT refunds to save on luxury purchases abroad.
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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 is doing a much requested diving deep into the world of investing and breaking down exactly how you should be handling your money, whether you’ve got an arsenal of financial advisors or you’ve never bought a single stock. From choosing the right account to understanding ETFs, index funds, and robo-advisors, this episode is your step-by-step guide to building wealth through investing without getting overwhelmed by Wall Street jargon.
In this episode, you'll learn:
1. How to start investing from scratch, including the difference between brokerage accounts, IRAs, Roth IRAs, 401(k)s, and other investment accounts… and how to choose the right one for your goals.
2. Why finding the "perfect" stock is the wrong goal, how diversified investments like ETFs and index funds can help reduce risk, and what to look for when evaluating investment options.
3.How to build a long-term investing strategy that works in real life, including managing market volatility, balancing investing with debt repayment, understanding fees, and overcoming the fear that keeps so many people from getting started.
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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 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!
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Got a financial question you want answered in a future episode? Email us at [email protected]
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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.
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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 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.
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Got a financial question you want answered in a future episode? Email us at [email protected]
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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.
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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 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.
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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 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.
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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 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.
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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 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.
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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 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.
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Got a financial question you want answered in a future episode? Email us at [email protected]
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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 [email protected]
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Vivian sat down with Elizabeth and Ethan Finkelstein, founders of "Cheap Old Houses," and hosts of HGTV's Who's Afraid of a Cheap Old House, for a conversation about home ownership in the modern era.
1. How Ethan and Elizabeth turned a passion for affordable homes into a 2.9 million follower movement, and why they believe a cheap old house is actually a smarter financial move than a brand-new build.
2. The green flags and red flags to look for when buying a fixer-upper, how much money and time to realistically budget for a renovation, and which projects you can DIY versus when to call a pro.
3. How to find deals that never show up on Zillow, what resources exist to save money during renovation, and the secrets behind buying a house for $27K at auction.
Keep up with the Finkelsteins' on Instagram https://www.instagram.com/cheapoldhouses/, watch their HGTV show Who's Afraid of a Cheap Old House, and grab a copy of their book at https://www.cheapoldhouses.com/book/.
Follow the podcast on Instagram and TikTok!
Host: Vivian Tu
Producer: Grace Rittenhouse
Editor: Fringe PodcastsGot a financial question you want answered in a future episode? Email us at [email protected]
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Vivian sits down with Codie Sanchez, Wall Street veteran turned business acquisition expert and founder of Contrarian Thinking, for a conversation about building real wealth through buying boring businesses.
In this episode, you'll learn:
1. How Codie's years on Wall Street shaped the way she thinks about money, hustle, and building wealth.
2. What "buying boring businesses" actually means, and how small business acquisitions can fit into a regular person's financial portfolio.
3. How to know if a business is set up to succeed or fail, what it takes to go from breaking even to actually profiting, and the practical steps you can take right now to stop trading time for money and start building lasting wealth.
Check out Codie on Instagram https://www.instagram.com/codiesanchez/ and check out her work at https://codiesanchez.com/.
Follow the podcast on Instagram and TikTok!
Host: Vivian Tu
Producer: Grace Rittenhouse
Editor: Fringe Podcasts
Got a financial question you want answered in a future episode? Email us at [email protected]
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Vivian sits down with Kara Loewentheil, lawyer turned life coach, speaker, and NYT bestselling author for a candid conversation about women’s financial literacy, and how to make decisions with confidence!
In this episode, you'll learn:
1. What the "brain gap" actually is, how a sexist society has been quietly shaping the way women think about money long before we ever opened our first bank account, and why the pay gap and motherhood penalty are still very much alive today.
2. The three biggest money lies women have been taught since childhood and the specific structures still working against us today. Plus how to start pushing back in your everyday life.
3. Why "know your worth" is actually terrible negotiation advice for women, what the Confidence Compass is and how to use it to reframe your relationship with money, and how to start making more intentional, confident decisions across your finances, your career, and your life.
Check out Kara on Instagram https://www.instagram.com/karaloewentheil/ and learn more about her work at https://schoolofnewfeministthought.com/
Follow the podcast on Instagram and TikTok!
Host: Vivian Tu
Producer: Grace Rittenhouse
Editor: Fringe Podcasts
Got a financial question you want answered in a future episode? Email us at [email protected]
Learn more about your ad choices. Visit podcastchoices.com/adchoices -
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:
1. 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.
2. 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.
3. 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.
Follow the podcast on Instagram and TikTok!
Host: Vivian Tu
Producer: Grace Rittenhouse
Editor: Fringe Podcasts 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:
1. 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.
2. 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.
3. 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.
4. 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!
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Host: Vivian Tu
Producer: Grace Rittenhouse
Editor: Fringe Podcasts
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:
1. 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.
2. 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.
3. 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.
4. 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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