Money Rules Everyone Should Know
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Why do women struggle to talk about money?
So, darlings, today we're continuing our Career Girls Guide, a series that is focused on giving you guys practical tools to navigate every stage of your career. Now, we've talked about how to get the job. We've talked about how to advocate for yourself. And now we're going to talk about what happens after the paycheck hits your account. Because managing money isn't just about budgeting. It's about making decisions that give you more freedom, more confidence and more options in your career. Financial literacy shapes how you how long you stay, when you leave, and how boldly you bet on yourself. Now, to help us break this down, I'm joined by the incredible Vivian Tu, businesswoman, New York Times bestselling author, and founder of Your Rich BFF.
The Start With Yourself Tour kicks off on April 15th in New York City. Tickets are on sale now at emagreed.com. Hi, my darling Vivian. Thank you so much for having me. I'm so excited. I'm so happy to have you.
How can women negotiate raises effectively?
I cannot tell you. I have to say, I mentioned this to you briefly earlier, but before you came, I did a little like, you know, what do you guys want to know about, you know, finances and savings and taxes and investments? I have never had more people come back to me in a short amount of time than ever. So I'm just going to let the viewers decide what we're talking about today. day because it's so wild how many questions people have about money. 100%. It's nuts. It just really kind of got me going. So listen, before we talk about money systems, before we talk about the strategies, I've been so fascinated as I've been doing my research on you with all that you've accomplished and all that you've done.
But your start was really interesting because I realized you actually got like familiar with money because of your parents and their inability to be able to do that for themselves. Will you talk about that a little bit? Because I think that people find it entirely fascinating that at this young age, you know so much, but it started early, right? Yeah. So my parents are immigrants.
What is the importance of stability before wealth?
I was first generation, born here. I am the only child, only daughter, no pressure. And it really felt like my parents... felt like being in America was such a gift that they were just content to survive. They were going to work hard, put their heads down, and hopefully the universe would give them what they deserve. But we all know that's not really how that works. We had to deal with the American financial system that included speaking to claims adjusters, the insurance people on the phone. It meant calling medical practices to be like, what is this on my bill? It meant trying to negotiate for raises and promotions. And the problem was English wasn't my parents' native language. And so all of a sudden I'm eight years old on the phone.
It's like, yeah, my mom definitely doesn't want to pay this on the medical bill. And I'm like, I mean- Amy, like me, like pretending to be my mom.
How does lifestyle inflation impact financial progress?
And I feel like I learned very quickly what it really took to be a good negotiator, what it took to actually understand money. And I'll never forget this. When I was, I believe it was end of middle school, early high school, I went to the mall with a completely distressed jeans. They were more whole than jean. And I came home and I was so excited to have these. And my mom found the receipt of how much they cost in the bag. And it turned into World War III. My mom was so angry with me. She said, you don't understand the value of a dollar. You have no idea how hard your father and I have to work to even like make ends meet, to make sure that you have a future that we're saving for your college education, that we can put, you know, put food on the table.
And all I could think as a young person to say was, well, you know, My friend got a pair too. And my mom looked me dead in the eye and she said, well, her dad's a lawyer and her family, like, you know, they're millionaires. We're not.
What strategic financial decisions should women consider?
And it was a stark reminder that we all have different stations in life. And because we didn't have certain amounts of money, I couldn't have certain things.
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Chapters
8 chapters
1
Why do women struggle to talk about money?
0:09–1:07
2
How can women negotiate raises effectively?
1:07–2:12
3
What is the importance of stability before wealth?
2:12–3:06
4
How does lifestyle inflation impact financial progress?
3:06–4:09
5
What strategic financial decisions should women consider?
4:09–4:41
6
What mindset shifts are necessary for financial success?
4:41–5:40
7
How can women foster open conversations about money?
5:40–6:35
8
What are the keys to achieving financial freedom?
6:35–1:16:53
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