Vivian Tu became popular through her TikTok account, “Your Rich BFF,” where she shares personal finance advice in the United States. She started posting videos in 2021 after working on Wall Street and later in media. Her content explains how to negotiate salaries, manage credit card debt, and avoid overspending. Tu grew up in Baltimore as the daughter of Chinese immigrants and said her parents taught her to respect money from a young age. Today, she has millions of followers, hosts a podcast, and recently published a new book about building wealth.

Tu says money conversations are important in relationships, even if they feel intimidating. She suggests asking fun questions about spending and future goals to understand each other better. When it comes to housing, she explains that buying a home is not always affordable, and renting can provide flexibility. She also advises people to pause before buying something and think about the real reason for the purchase. For those who feel confused about investing, Tu recommends robo-advisers. These services ask questions about financial goals and then automatically invest money based on the answers. She believes starting early is the key to long-term success.