'Your Rich BFF' Vivian Tu's top money tips: How she made $7M a year by 31

Vivian Tu is the founder and CEO of Your Rich BFF, a leading financial education brand helping millions learn how to build wealth and make smarter money decisions. She left Wall Street and a lucrative career in media sales to become one of the biggest voices in the creator economy, earning over $7 million by age 31 and gaining about 10 million followers across social media. Known online as "your favorite Wall Street girly," Vivian teaches financial literacy lessons you never got in school — from understanding the economic cost of war and the impact of interest rate cuts to mastering budgeting, investing and paycheck management. A former JPMorgan trader, Vivian transitioned from finance to media sales before becoming a full-time content creator and entrepreneur. Today, she runs a seven-figure business that includes a book, podcast, major brand partnerships, and a growing portfolio of content designed to make personal finance simple, relatable and empowering. In this conversation, we get into: | 00:00: Introduction | 01:41: Wall Street & BuzzFeed beginnings | 04:25: How immigrant parents shaped her relationship with money | 05:44: The three money rules everyone should know | 06:15: "The most important financial decision" you'll ever make | 07:32: Working with today's job & stock markets| 09:02: Getting started on Wall Street and how it shaped Vivian's path | 12:46: Experiencing bad bosses & injustice in the workplace | 13:50: The story behind the term "Your Favorite Wall Street Girly"  | 16:57: Life-changing mentors | 18:00: From Wall Street to BuzzFeed making up to $625k/ year in sales| 19:15: "I rake it up" - Vivian's deal song | 20:41: The viral video that changed everything — and moment she decided to bet on herself  | 26:02: Dealing with the social pressure when leaving the "traditional path" | 31:17: Time boxing & structuring her schedule as a new founder  | 33:15: The team behind the business of "Rich BFF"  | 34:05: Breaking down her workflow & revenue streams to earn $7M/ year | 39:30: Becoming a millionaire at age 27 | 41:04: Being open with your audience & sharing personal stories | 44:34: Handling judgment & internet negativity - "Crabs in a bucket" | 47:34: Upcoming projects & roadmap | 48:03: Long-term vision: becoming the face of finance| 50:33: Managing finances in uncertain times | 52:21: Investing, wealth building & shifting your mindset  | 53:41: Audience question from new parents on teaching kids about money | 55:21: Rapid-fire insights: trends, tips & personal habits | About Behind the Business: Behind the Business is a video series and podcast hosted by Michelle Toh, CNN and Fortune alum, that explores the decisions and philosophies behind today's most influential leaders. Recorded in person across the US, the show is grounded in the belief that business is in fact personal, providing the backstories of founders, corporate leaders, investors and creators and how they push through to make the most of both work and life each day. What's the worst day you've faced at your company? How do you cope with crisis or rejection? Or what's a pinch-me moment you'll never forget? In each episode, guests get into it all. New episodes every Thursday. About Michelle Toh: Michelle Toh is an award-winning international journalist. She has covered some of the top stories in global business and tech, most recently as a reporter based in Hong Kong appearing across CNN's digital and television platforms. Before joining CNN, she was an associate editor of Fortune Magazine, and her reporting has appeared in TIME, USA Today, and the South China Morning Post. Follow for episode clips and updates:Instagram: https://instagram.com/bymichelletoh TikTok: https://www.tiktok.com/@behindthebusinessshow #BehindTheBusiness #Podcast #BusinessLeadership #Entrepreneurship | Many thanks to our fantastic partner for this season of Behind the Business: Factor! Use code BTB50OFF to get 50% OFF your first Factor box plus free breakfast for 1 year at bit.ly/BTB50OFF  | The views and opinions expressed in this episode are for informational purposes only and do not constitute financial, investment or other professional advice.

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