On today’s episode, Valeria welcomes Vivian Tu, better known as Your Rich BFF online. Vivian is an ex-Wall Street Trader, Strategy Sales Partner at a Tech company, and the face of YourRichBFF. She started YourRichBFF as a passion project to share digestible lessons on financial literacy and lifestyle. Since then, she has built a community of over 2,500,000 besties helping one another get rich and stay rich. Together, Valeria and Vivian dive into how being smart about money is not just a practical skill; it's a cornerstone of a secure and fulfilling life. They also explore the belief that financial literacy empowers individuals to make informed decisions about budgeting, saving, and investing, and fosters a sense of control over one's economic stability.  Vivian’s book is available now! Order here: Rich AF: The Winning Money Mindset That Will Change Your Life  You can find Vivian on:  https://www.instagram.com/your.richbff  https://www.tiktok.com/@yourrichbff  https://www.yourrichbff.com/  Valeria is on: https://www.instagram.com/valerialipovetsky/  https://www.youtube.com/channel/UCWkDFq1pO7YNzifE3A4UsMA  https://www.tiktok.com/@valeria.lipovetsky  Not Alone Podcast What We Talked About: 00:00 Intro 00:21 From stock market trader to full-time content creator 03:55 Having the sense of belonging to the society of rich people 06:03 The mindset of rich people and how they handle money 11:17 Not all debt is bad 16:39 “How I lost $4000 to break off a lease.” - Do the STRIP method 23:23 The truth about having emergency funds 28:27 Everything, when comes to finances comes down to time 31:48 What is an FU number? 34:57 The influencer lifestyle and being smart with money 39:45 What in your workplace can and cannot be changed? 42:17 How does the Brag Book works 45:05 Asking for a raise isn’t being greedy if you deserve it 47:36 Two things to remember when negotiating 54:22 Handling finances while in a relationship 58:25 Money is just a medium for what people value 01:00:00 Who pays for the first date? 01:03:06 “You aren’t bad with money, you weren’t thought about it” 01:05:33 Money can buy you the ability to be happy