Networth and Chill with Your Rich BFF
- Episodios
- 152
- Se publica
- cada semana
- Último episodio
- 11 Nov 2026
Sobre el podcast
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.
Episodios 152
12 Sneaky Signs We Are Headed For a Recession
Some of the first signs that money is getting tight don’t show up in GDP reports or the unemployment rate. They show up at the strip club, the dentist’s office, and the Coinstar machine at the front of the …
Notas del episodio
Some of the first signs that money is getting tight don’t show up in GDP reports or the unemployment rate. They show up at the strip club, the dentist’s office, and the Coinstar machine at the front of the grocery store. This week on Networth & Chill, Vivian highlights 12 recession indicators you wouldn’t expect, what each one says about where the money is and isn’t flowing, and how to protect your own finances if you start spotting them in your life.
1. When the fun money disappears: Empty strip clubs, doctors with open appointment slots, why skipped checkups become $20,000 problems, and why your favorite 2000s band is suddenly going on a reunion tour.
2. Digging for cash and borrowing for basics: Repossessed cars reported as stolen, people cashing in their coin jars, buy now pay later for groceries, Grandma heading back to work, and the job scam texts targeting desperate job seekers.
3. The classics, and how to protect yourself: The Hemline Index, why a former Fed chair reportedly watched men’s underwear sales, plus building an emergency fund and a “fun fund,” getting the most out of your library card, and having the money talk with your parents.
Download Vivian’s financial companion app Ask Dolly HERE!
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Got a financial question you want answered in a future episode? Email us at [email protected].
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Don't make this negotiation mistake (And the $5K Move That Pays Off Every Year)
Why do so many of us stay quiet when it comes to asking for more at work? This week on Networth & Chill, Vivian goes solo to break down why negotiation is one of the most powerful money moves you can make …
Notas del episodio
Why do so many of us stay quiet when it comes to asking for more at work? This week on Networth & Chill, Vivian goes solo to break down why negotiation is one of the most powerful money moves you can make, especially for women, and how one conversation can add hundreds of thousands of dollars to your lifetime earnings. Whether you’re eyeing a raise, a promotion, or a higher 401(k) match, you can learn to ask for what you're worth. In this episode, Vivian covers:
1. Why negotiation matters: The compounding power of a single raise, why old-school “win at all costs” tactics backfire for women, and how a higher starting salary boosts every raise that follows.
2. What you can actually negotiate for: Salary, health insurance and IVF coverage, WFH stipends, flexible schedules, professional development, equity, retention bonuses, and why you should check your existing benefits first.
3. How to make the ask: Prepping with concrete data, picking the right time, leading with your wins, the power of staying silent after your ask, handling a “yes” or a “no,” and why finding a sponsor (not just a mentor) can change your career.
Download Vivian’s financial companion app Ask Dolly HERE!
Follow the podcast on Instagram and TikTok!
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
Are You Better Off Than Before the Last Election? Let's Check the Receipts
Download Vivian’s financial companion app Ask Dolly HERE! Are you actually better off than you were two years ago? With affordability topping every poll heading into the midterms, Vivian sits down with …
Notas del episodio
Download Vivian’s financial companion app Ask Dolly HERE!
Are you actually better off than you were two years ago? With affordability topping every poll heading into the midterms, Vivian sits down with Stephanie Ruhle, banker turned journalist and anchor of Money, Power, Politics on MS NOW, to put the biggest economic promises of the last campaign up against the receipts. They break down which promises held up, what Congress really controls when it comes to your money, and how to protect your finances no matter who wins in November. In this episode, Vivian and Stephanie cover:
1. Your wallet is on the ballot: why a non-presidential election matters to your bank account, what’s actually up for a vote this year, and why so many people feel broke even with the stock market doing fine.
2. The receipts: prices and inflation, gas and energy costs, the Supreme Court’s tariff ruling and who gets the refunds, the $2,000 dividend that never arrived, the Fed’s surprise rate hike, and the fine print on no tax on tips and overtime.
3. What happens next: the affordability sleeper issue nobody’s talking about, what could change for your money in 2027, what a divided government means for your finances, and the one money move that makes sense no matter who wins
Keep up with Stephanie on Money, Power, Politics with Stephanie Ruhle weekdays on MS NOW. Have even more questions? Join the MS NOW Membership, available at ms.now/membership.
You can preorder The New Rules: Work, Life, Money, and the Power of Minding Your Business at https://www.simonandschuster.com/books/The-New-Rules/Stephanie-Ruhle/9781668207130
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Got a financial question you want answered in a future episode? Email us at [email protected]
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Why the Economy Hasn’t Collapsed Yet & What the Data Actually Says
Download Vivian’s financial companion app Ask Dolly HERE! Tariffs, wars overseas, painful gas prices, and consumer expectations at an all-time low have a lot of people bracing for the worst, and yet the U.S …
Notas del episodio
Download Vivian’s financial companion app Ask Dolly HERE!
Tariffs, wars overseas, painful gas prices, and consumer expectations at an all-time low have a lot of people bracing for the worst, and yet the U.S. economy still hasn’t crashed. Vivian breaks down why things haven’t broken yet, what the scary headlines get wrong about recessions, and exactly what to do with your money before the next downturn hits, because eventually, it always does. In this episode, Vivian covers:
1. Why we haven’t crashed (yet): The difference between a recession and a crash, why the economy is cyclical by design, the data behind everyone’s nerves, and how a low-firing, low-hiring job market, a decade of cheap debt, AI investment, and big-spending wealthy households are keeping things afloat.
2. Your recession playbook: Why you shouldn’t pull your investments when the market dips, how big your emergency fund should be right now, which debt to pay down first, the index funds Vivian actually buys, and which industries tend to hold up best when the economy slows down.
3. Your questions, answered: How recessions actually end, whether to buy a home or what happens to your rent in a downturn, if your friend with all cash is suddenly richer than you, where stimulus money comes from, whether it’s a bad time to start investing, and the odds that all your money just disappears.
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Got a financial question you want answered in a future episode? Email us at [email protected].
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How Campaign Money Actually Works and What It Tells You About Who Politicians Serve
Download Vivian’s financial companion app Ask Dolly HERE! Political ads are everywhere this time of year, but the people paying for them are a lot harder to spot. Running for office in America can cost anywhere …
Notas del episodio
Download Vivian’s financial companion app Ask Dolly HERE!
Political ads are everywhere this time of year, but the people paying for them are a lot harder to spot. Running for office in America can cost anywhere from $1,000 to over $1 billion, and a growing share of that money is legally designed to stay hidden until after the votes are counted. Vivian breaks down elections like an economist would, as a market for attention, trust, and power, so you can figure out who’s bankrolling the people asking for your vote before you head to the polls this midterm season. In this episode, Vivian covers:
1. Following the money: What it really costs to run for office from school board to the White House, the four ways money reaches a candidate, how much you can legally donate in 2026, and how super PACs got so super.
2. Where the money hides: Pop-up super PACs that dodge disclosure until after Election Day, dark money routed through nonprofits, the Supreme Court ruling that just lifted limits on party coordinated spending, and a speed-run of campaign finance history from George Washington’s punch and cider to today.
3. What you can actually do: How to look up any candidate’s donors for free, whether it’s still worth donating if the system feels rigged, first financial steps for running for local office, how other countries handle campaign cash, and whether all that campaign spending is actually good for the economy.
Look up candidates financials at https://www.fec.gov/data/ or on https://www.opensecrets.org/ (formerly followthemoney.org)
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Got a financial question you want answered in a future episode? Email us at [email protected].
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The Unwritten Job Interview Rules Gen Z Needs to Know
Download Vivian’s financial companion app Ask Dolly HERE ! You can send out 300 applications and hear nothing back, unemployment is only down because people are giving up on the job hunt, and the folks who do …
Notas del episodio
Download Vivian’s financial companion app Ask Dolly HERE !
You can send out 300 applications and hear nothing back, unemployment is only down because people are giving up on the job hunt, and the folks who do have jobs feel like they have nowhere else to go. In this episode, Vivian sits down with Workhap CEO, and Get Hired, Get Paid, Get Happy author Sho Dewan to talk about how to land a job in a bad market, get paid what you’re worth, and maybe even like your job again. Vivian and Sho discuss:
1. Getting hired: The state of the job market today, the most common resume mistakes and how to fix them, applying in the age of AI resume reviews, interview strategies for the socially anxious, and how to get taken seriously for a role in a brand-new industry.
2. Getting paid: How to negotiate a raise when your company swears there’s no budget, telling a bad season apart from a sign it’s time to leave, and whether the highest-paying jobs really have to be in major cities.
3. Building your own opportunities: What actually counts as networking, making connections without being a nepo baby, when to ask for a favor and how to word the outreach message, and Sho’s translations of corporate-speak like “we’re like family” and “unlimited PTO.”
Get Sho’s book Get Hired, Get Paid, Get Happy HERE!
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The Trump Coin Breakdown, How a Presidential Meme Coin Became a $1.5 Billion Revenue Machine
Our president launched a memecoin, Congressional representatives pulled in over $635 million in stock gains last year, and political candidates are placing bets on their own races. In this episode, Vivian …
Notas del episodio
Our president launched a memecoin, Congressional representatives pulled in over $635 million in stock gains last year, and political candidates are placing bets on their own races. In this episode, Vivian breaks down the not-so-secret ways public officials are cashing in on their positions, why it's a problem on both sides of the aisle, and what you can actually do about it.
1. Trump's $2.2 billion year: Crypto 101, how blockchain works, why memecoins are so volatile, how $TRUMP and World Liberty Financial made up about $1.5 billion of his income, and why he profits whether the coin goes up or down.
2. Congress and the stock market: Nancy Pelosi's portfolio outpacing the S&P 500, the 2025 top earners Richard Blumenthal and Michael McCaul, what the STOCK Act already bans, and the new Stop Insider Trading Act.
3. Prediction markets and politics: The Polymarket bet on the Venezuela raid, suspicious wagers on military operations, George Santos and Kalshi, the Senate's new ban, and what the K-shaped economy means for everyone not trading on inside info.
Download Vivian’s financial companion app Ask Dolly HERE and let us know what you think!
Learn more about the Nancy Pelosi stock tracker at https://pelositracker.app/portfolios/nancy-pelosi
See which members of Congress traded the most in 2025 at https://www.commoncause.org/articles/congress-made-over-635-million-in-stock-trades-while-americans-struggled-see-who-traded-the-most/
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Got a financial question you want answered in a future episode? Email us at [email protected].
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Tipping Culture Is Out of Control: Who You Actually Owe
Why does an $8 latte suddenly come with a 20% tip prompt? In this episode, Vivian dives into how tipping in America got so out of hand, who you absolutely have to tip, and when it's totally okay to skip the tip …
Notas del episodio
Why does an $8 latte suddenly come with a 20% tip prompt? In this episode, Vivian dives into how tipping in America got so out of hand, who you absolutely have to tip, and when it's totally okay to skip the tip when the iPad swings your way. Plus, what the new "no tax on tips" policy really means for service industry workers.
1. How tipping took over America: European roots, post-Civil War racism, Pullman railcars and hotels, the 1966 tip credit, the $2.13 sub-minimum wage frozen since 1996.
2. Who to tip and how much: 15-25% for sit-down service, a few bucks per service for valets and housekeeping, counter orders and salaried professionals, wedding vendor tipping, tipping etiquette abroad.
3. What's next for tipped workers: budgeting on an unpredictable income, the pros and cons of no tax on tips, bias in tipping, the shift toward service charges and banning the sub-minimum wage.
Download Vivian’s financial companion app Ask Dolly) HERE and let us know what you think!
Check out Prof G Markets at https://www.youtube.com/@ProfGMarkets
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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Why Buying Into an IPO Is Usually the Worst Trade You Can Make
IPOs are having a major moment; SpaceX just had the biggest IPO in history, Anthropic and OpenAI are lining up next, and suddenly everyone's throwing this term around like they know what it means. Vivian breaks …
Notas del episodio
IPOs are having a major moment; SpaceX just had the biggest IPO in history, Anthropic and OpenAI are lining up next, and suddenly everyone's throwing this term around like they know what it means. Vivian breaks down what actually happens when a company goes public, whether the hype is ever worth it, and what SpaceX's rollercoaster can teach us about IPO investing.
1. What an IPO actually is: the process of a company going from private to public, why companies choose to do it (cashing out early investors, raising capital for growth, and the marketing splash), and what happens behind the scenes with underwriters, lock-up agreements, and IOIs before shares ever hit the market.
2. Why IPOs have been a losing bet since 2019: peak valuations from the 2020-2021 boom, the Fed's interest rate hikes squeezing growth stocks, and lower-quality companies going public and getting measured against mega-cap winners.
3. Should you actually buy one: how to think about risk (keep it to 2-5% of your portfolio), alternatives like IPO ETFs, and a look at other 2025 IPO stories — Bending Spoons, Shein's years-long path to going public, and the direct listing, SPAC, and reverse merger routes companies take instead.
Download Vivian’s financial companion app, Ask Dolly, HERE !
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Got a financial question you want answered in a future episode? Email us at [email protected].
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I Finally Built the Financial Tool You’ve Been Asking For!
Download Ask Dolly in the Apple App Store HERE! Besties, Vivian has been sitting on a secret and today she's finally spilling it: Ask Dolly, her brand-new app, is officially live in the Apple App Store! Built …
Notas del episodio
Download Ask Dolly in the Apple App Store HERE!
Besties, Vivian has been sitting on a secret and today she's finally spilling it: Ask Dolly, her brand-new app, is officially live in the Apple App Store! Built to treat your money like your annual physical, Ask Dolly diagnoses your financial strengths and weaknesses, answers your toughest money questions, and connects you to real, human Certified Financial Planners. No jargon, no judgment, and no minimum bank balance required.
In this episode, Vivian covers:
1. What Ask Dolly does: tracks your money, savings, and investing progress in one place, delivers personalized investing guidance, and breaks down confusing economic news into something you can actually use.
2. Why Vivian built it: bootstrapped with her own money, no outside investors, born from thousands of BFF DMs asking for real financial guidance she couldn't keep up with one by one.
3. Real BFF questions, answered: estate planning on a budget, Backdoor Roth strategies, navigating a divorce settlement, helping aging parents catch up on retirement, and what actually belongs in a prenup.
Download Ask Dolly today in the Apple App Store (Android coming soon) HERE and let us know what you think!
Plus, keep up with Ask Dolly on Instagram!
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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Gen Z Is Quitting Hustle Culture — Are They Right?
Vivian is breaking down the real cost of hustle culture and why working harder doesn’t always mean making more money. From the DoorDash orders and Ubers that come with an overpacked schedule to burnout, income …
Notas del episodio
Vivian is breaking down the real cost of hustle culture and why working harder doesn’t always mean making more money. From the DoorDash orders and Ubers that come with an overpacked schedule to burnout, income volatility, and missed career opportunities, this episode explores how the grind can quietly start costing you more than it’s making you.
In this episode, Vivian covers:
1. The hidden financial costs of hustle culture, why juggling multiple side gigs can sometimes hurt your long-term earning potential, and how to tell when working more is no longer worth it
2. Why Gen Z is rejecting the traditional grind through trends like quiet quitting and the “soft life,” and what they might actually be getting right about productivity, ambition, and burnout
3. How to build wealth without sacrificing your entire life, from negotiating for more money at your current job to putting your savings, investments, and retirement accounts to work so your money can grow without adding more hours to your schedule
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The Million Dollar Mindset Shift You Need Before You Can Close Any Deal
Think sales isn't your thing? Think again! Whether you're negotiating a raise, pitching investors, or just trying to land your dream job, you're selling something every single day. This week, Vivian sits down …
Notas del episodio
Think sales isn't your thing? Think again! Whether you're negotiating a raise, pitching investors, or just trying to land your dream job, you're selling something every single day. This week, Vivian sits down with Shelby Sapp, the internet's Sales Queen, who's teaching over 1.6 million followers how to pitch, close, and get paid like a pro.
In this episode, Vivian and Shelby cover:
1. The sales fundamentals: the hardest things to sell, the real difference between door-to-door and high-ticket sales, and how to walk into any room and command respect from the jump
2. Selling yourself: how to pitch yourself at work, network without sounding desperate, handle common pushback, and avoid the mistakes that tank most pitches
3. The closer mindset: busting the biggest sales myths, her rapid-fire money advice on negotiation, financial decisions, and building wealth on your own terms
Check out more from Shelby on IG HERE! And on her website: https://shelbysapp.com/
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The 5-Minute Habit That Can Raise Your Credit Score 100+ Points
Your credit score can make or break your ability to buy a house, rent an apartment, or even land a job, but do you actually know how that three-digit number gets calculated? Vivian breaks down the wild, biased …
Notas del episodio
Your credit score can make or break your ability to buy a house, rent an apartment, or even land a job, but do you actually know how that three-digit number gets calculated? Vivian breaks down the wild, biased history of credit scoring and gives you the real playbook for building, or rebuilding, a great score.
In this episode, Vivian covers:
1. The history of credit scores, from Mesopotamian debt tablets, to the 1841 Mercantile Agency, to the birth of FICO in 1956, to the anti-discrimination laws that (kind of) fixed things
2. How to actually build credit, secured credit cards, credit-builder loans, rent and utility reporting, becoming an authorized user, and the five factors FICO uses to calculate your score
3. The system's blind spots, and what to do if your score takes an unexpected hit
Interested in checking your credit score? Head to https://www.annualcreditreport.com
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The Back-to-School Shopping Trap That Bleeds Students Dry Before Classes Even Start
Should saving money on back-to-school shopping actually be this complicated? This week, Vivian breaks down exactly how to shop smarter this fall, and why the "back-to-school haul" mentality might be quietly …
Notas del episodio
Should saving money on back-to-school shopping actually be this complicated? This week, Vivian breaks down exactly how to shop smarter this fall, and why the "back-to-school haul" mentality might be quietly draining your bank account.
In this episode, Vivian covers:
1. Why tech is the biggest back-to-school money trap, how trade-in programs and refurbished gadgets can save you hundreds, and the student discounts most people forget even exist.
2. The real cost of college essentials, why paying full price for textbooks is basically a scam, the "wait until you get there" rule for dorm shopping, and how 529 accounts and ESAs can make thousands of dollars in expenses tax-free.
3. What's actually changing with federal student loans in 2026, why timing your FAFSA and your borrowing matters more than people think, and the parent-tested hacks, from bulk-buying supplies to secondhand clothes, that cut costs without cutting corners.
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Should Gen Z Even Bother Buying a House? The Real Numbers Exposed
Should you rent or buy? Turns out the "adult" thing to do isn't always the smart financial move. This week, Vivian sits down with Amanda Pendleton, Home Trends Expert at Zillow, to break down why the old rules …
Notas del episodio
Should you rent or buy? Turns out the "adult" thing to do isn't always the smart financial move. This week, Vivian sits down with Amanda Pendleton, Home Trends Expert at Zillow, to break down why the old rules of real estate don't apply anymore, and what actually makes sense for your life instead of your parents' life.
In this episode, Vivian and Amanda cover:
1. Why the "buying means you've made it" mindset is so hard to shake, whether Gen-Z's fears about never owning a home are actually justified, and the cities right now where renters come out ahead financially, even over 30 years.
2. The real questions to ask before you ever open a mortgage calculator, whether "throwing money away on rent" is actually true, and the hidden costs, taxes, insurance, maintenance, HOA fees, that blow up most people's math.
3.What to do if you don't have 20% saved, the down payment assistance programs most first-time buyers don't know exist, and the one piece of conventional real estate wisdom Amanda thinks you should ignore.
Keep up with Amanda at https://www.linkedin.com/in/amanda-pendleton-b0b98056/.
Learn more about Zillow’s BuyAbility calculator https://www.zillow.com/homeloans/buyability/ and try out the rent vs buy calculator https://www.zillow.com/rent-vs-buy-calculator.
Find the Zillow Plan tab https://www.zillow.com/plan.
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Got a financial question you want answered in a future episode? Email us at [email protected]
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How Health Insurance Companies Turn Claim Denials Into Shareholder Returns
Health insurance denials are out of control, and insurance companies are banking on you just accepting it and paying the bill. This week, Vivian sits down with Zach Veigulis, co-founder and Chief AI Officer at …
Notas del episodio
Health insurance denials are out of control, and insurance companies are banking on you just accepting it and paying the bill. This week, Vivian sits down with Zach Veigulis, co-founder and Chief AI Officer at Claimable, to break down the villain origin story of health insurance and exactly how to fight back when your claim gets denied.
In this episode, Vivian and Zach cover:
1. Why claims get denied in the first place, which types of claims get denied at disproportionately high rates, and why you should never just accept a denial and pay the bill.
2. The exact steps to take to appeal a denial (and how fast you need to move), the magic words to use in an appeal letter, how to tell a real coverage denial from a bogus billing error, and what "medically necessary" really means.
3. What to do if you can't afford the bill while your appeal is pending, and the nuclear options, think state insurance commissioners and patient advocates, if you're denied at every level.
Check out Claimable at https://www.getclaimable.com/.
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The Costly Money Mistakes I Made in My 20s That Drained My Net Worth
Vivian gets brutally honest about her own biggest financial mistakes; the ones she made before she was Your Rich BFF, when she was just a broke twenty-something figuring out money the hard way. From a credit …
Notas del episodio
Vivian gets brutally honest about her own biggest financial mistakes; the ones she made before she was Your Rich BFF, when she was just a broke twenty-something figuring out money the hard way. From a credit card mishap that tanked her score by 60 points to the retirement account she funded but never actually invested, this episode is a tour through every money misstep so you don't have to make them yourself.
In this episode, Vivian covers:
1. Why closing your oldest credit card can quietly wreck your score, the difference between "cheap now" and "cheap long term" and why buying stuff to impress people you don't even like never actually pays off.
2. The most common retirement mistake almost everyone makes and how to avoid it. Plus how to track down security deposits (and interest!) landlords conveniently "forget" to return.
3. Why comparing your finances to your friends' is a losing game, how unsupportive friendships can cost you more than money, and why your parents' financial advice might be stuck in an economy that no longer exists.
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How GLP-1s Are Reshaping the Economy and Who's Really Paying for It
Vivian dives into the "thinness economy" and the surprising ways weight bias can affect your finances, career, and earning potential. From GLP-1 medications like Ozempic and Wegovy to workplace discrimination …
Notas del episodio
Vivian dives into the "thinness economy" and the surprising ways weight bias can affect your finances, career, and earning potential. From GLP-1 medications like Ozempic and Wegovy to workplace discrimination, social media beauty standards, and the booming weight loss industry, this episode explores the uncomfortable intersection of money, health, and appearance.
In this episode, you'll learn:
1. How weight bias impacts hiring, salaries, promotions, and long-term wealth, why obesity is a disease rather than a moral failure, and the hidden economic costs of discrimination.
2. The real financial tradeoffs of GLP-1 medications, including who can actually afford them, what insurance does and doesn't cover, and whether these drugs are a financial investment or simply another expensive response to societal pressure.
3. How the "thinness economy" is reshaping entire industries… from grocery stores and restaurants to airlines, fashion, and healthcare, and what these shifts mean for your wallet and the future of consumer spending.
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Got a financial question you want answered in a future episode? Email us at [email protected]
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What Every Woman Needs to Know About Money Before, During, and After Divorce
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 …
Notas del episodio
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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Why Everything Costs More Right Now (And What's Actually Driving It)
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 …
Notas del episodio
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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My Secret Wardrobe Hacks for Getting Designer Clothes for Way Less
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 …
Notas del episodio
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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3 Simple Steps to Start Investing From Scratch | No Experience Needed
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 …
Notas del episodio
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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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 …
Notas del episodio
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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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 …
Notas del episodio
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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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 …
Notas del episodio
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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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 …
Notas del episodio
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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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 …
Notas del episodio
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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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 …
Notas del episodio
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 [email protected]
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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 …
Notas del episodio
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 [email protected]
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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 …
Notas del episodio
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 [email protected]
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Aquí están los 40 episodios más recientes de 152. Los anteriores están en el feed del podcast.
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