TikTok's 'Your Rich BFF' Breaks Down Money Moves That Could Make You Rich(er) In 2026

Personal concern proposal tin consciousness intimidating, often filled with jargon and analyzable strategies. Vivian Tu is trying to marque those conversations easier to understand.

Better known online arsenic "Your Rich BFF," Tu shares abbreviated videos connected TikTok astir idiosyncratic concern topics specified arsenic negotiating a wage and managing recognition paper debt.

Tu, who calls herself "your favourite Wall Street girly," has built a ample pursuing crossed societal media. She besides hosts the "Networth and Chill” podcast and precocious released a publication titled "Well Endowed." Tu was besides precocious appointed main of fiscal empowerment astatine fintech and banking level SoFi.

Before becoming a societal media concern educator, Tu worked connected Wall Street. After graduating from the University of Chicago, she began her vocation arsenic a trader. She aboriginal moved into income astatine BuzzFeed earlier launching her TikTok relationship successful precocious 2021.

The thought came from a elemental observation. She was often giving wealth proposal to coworkers.

Raised successful Baltimore arsenic the girl of Chinese immigrants, connected her website Tu says her upbringing influenced however she thinks astir money. Her parents encouraged frugality and an appreciation for fiscal stableness from an aboriginal age. Tu says it was a fewer years into her firm vocation that she realized she enjoyed helping others recognize their finances.

Her contented focuses connected making fiscal concepts easier to approach. Here are respective of Tu's idiosyncratic concern tips that she precocious shared with the Associated Press for radical looking to fortify their fiscal presumption successful 2026.

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Start talking astir wealth aboriginal successful relationships

One of Tu's cardinal recommendations involves connection with a partner.

Money conversations are often delayed successful relationships, but Tu says it tin beryllium adjuvant to statesman discussing finances earlier.

"Start early, commencement often. I ever accidental you person to speech astir wealth connected the archetypal date," she told the AP.

The speech does not request to beryllium overly superior astatine the start. Tu suggests utilizing hypothetical questions that tin uncover fiscal preferences.

For example, she recommends asking a imaginable spouse what they mightiness bash if they were fixed $100,000 time and asked to program their cleanable two-week vacation.

One idiosyncratic mightiness take an outdoor travel portion different mightiness similar a luxury resort. Differences similar that tin supply penetration into however radical presumption spending and manner choices.