TikTok Star Vivian Tu Shares Personal Finance Tips

The 'Your Rich BFF' creator offers advice on money talks, avoiding overspending, and starting to invest.

Feb. 21, 2026 at 11:05am

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Vivian Tu, known for her popular TikTok account 'Your Rich BFF,' is sharing her top personal finance tips. The former Wall Street trader and current SoFi executive encourages open conversations about money with your partner, avoiding impulse purchases, and starting small when it comes to investing.

Why it matters

Tu's advice resonates with many young people who find personal finance intimidating. By breaking down complex topics in an accessible way, she aims to empower her millions of social media followers to take control of their financial futures.

The details

Tu, who refers to herself as 'your favorite Wall Street girly,' has built a massive following by creating entertaining videos about negotiating salaries, managing credit card debt, and other personal finance topics. The Baltimore native, who grew up as the daughter of Chinese immigrants, started her TikTok account in late 2021 after realizing she had a passion for the subject during her corporate career. In addition to her social media presence, Tu hosts a podcast, has published two books, and was recently appointed as chief of financial empowerment for fintech company SoFi.

  • Tu started her TikTok account in late 2021.
  • Her most recent book, 'Well Endowed,' was published this month.

The players

Vivian Tu

A personal finance influencer known for her TikTok account 'Your Rich BFF,' where she shares entertaining videos about topics like salary negotiation and credit card debt. Tu has 10 million social media followers, has published two books, and was recently appointed as chief of financial empowerment for SoFi.

University of Chicago

The university where Tu graduated from before beginning her career as a trader at JPMorgan in New York.

JPMorgan

The investment bank where Tu worked as a trader after graduating from the University of Chicago.

BuzzFeed

The media company where Tu worked in sales for a couple of years after leaving Wall Street.

SoFi

The fintech and banking platform where Tu was recently appointed as chief of financial empowerment.

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What they’re saying

“Start early, start often. I always say you have to talk about money on the first date.”

— Vivian Tu, Personal Finance Influencer

“The most important question to ask yourself before you buy something is: Do I want it or do I want people to know I have it?”

— Vivian Tu, Personal Finance Influencer

“A robo-adviser is the happy medium. What I love about (robo-advisors) is that anybody who doesn't understand investing can be investing in 45 minutes. It is better to start today than to start tomorrow, the sooner the better.”

— Vivian Tu, Personal Finance Influencer

What’s next

Tu's latest book, 'Well Endowed,' was just published and is expected to further expand her reach in the personal finance space.

The takeaway

By breaking down complex financial topics in an accessible and entertaining way, Vivian Tu is empowering young people to take control of their finances and invest in their futures.