Vivian Tu, known online as “Your Rich BFF,” has built a large following by sharing personal finance advice across social media platforms in the United States. With millions of followers, two published books, and a leadership role at a financial technology company, Tu has become a prominent voice on budgeting, investing, and credit management. Born in Baltimore to Chinese immigrant parents, Tu often credits her frugal upbringing for shaping her views on money. After graduating from the University of Chicago and working on Wall Street, she transitioned into digital media in 2021 to address what she described as a growing need for accessible financial education.

Tu’s guidance focuses on practical strategies, including open discussions about finances in relationships, careful spending habits, and realistic housing decisions. She encourages couples to identify lifestyle discrepancy early to prevent future conflict. As home prices rise and ownership becomes increasingly unattainable for many, she suggests renting can provide flexibility while allowing funds for other investments. Tu also advises consumers to make intentional purchases rather than spending to impress others. For beginners who find investing complex, she recommends automated robo-advisers, which assess financial goals and manage portfolios digitally. Through videos, podcasts, and books, Tu aims to simplify financial decision-making for a broad audience.