Vivian Tu

And it was really scary to me.

It was really daunting.

And I felt like it was a language that I didn't even comprehend.

I barely understood it.

I understood the basic words and that was about it.

But I couldn't speak with anyone who was fluent about money.

And I'm still 15, 17 years later.

I guess I'm fluent in some ways, but now being married and having children, there's new levels of...

financial literacy that I'm still not educated in, that I still have to continue to invest and learn and figure out new game plans at this level for my future based on where my life is at now.

It's different from 10, 15 years ago.

And I'm constantly learning.

Gosh, it is so unrecognizable.

I'm so grateful that I had a plan.

Because you're saying that, and I'm thinking about myself back then.

I'm like, okay, I have lots of friends that were broke, just like me.

Just like me at 24, 25, like...

What are we doing?

Yeah, of course, it's normal.

What 22-year-old, 24-year-old has money?

Unless your parents gave it to you, you don't have it.