TikTok Star Vivian Tu Shares Personal Finance Tips

The 'Your Rich BFF' creator wants to make money management more approachable.

Mar. 1, 2026 at 11:55pm

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Vivian Tu, known for her popular TikTok account 'Your Rich BFF,' is sharing her favorite personal finance tips to help make money management more accessible. The Baltimore native, who has 10 million social media followers and has published two books, offers advice on topics like avoiding overspending, deciding whether to buy or rent a home, and starting to invest even with a small amount.

Why it matters

Tu's mission is to demystify personal finance and empower people, especially younger generations, to take control of their financial futures. As a former Wall Street trader who now works in fintech, she brings an insider's perspective on navigating money matters.

The details

Tu started her TikTok account in late 2021 after realizing her colleagues were often coming to her for personal finance advice. She now has 2.7 million followers on the platform. Tu also hosts a podcast called 'Networth and Chill' and was recently named chief of financial empowerment at the fintech company SoFi. Her latest book, 'Well Endowed,' was published this month.

  • Tu started her TikTok account in late 2021.
  • Her latest book, 'Well Endowed,' was published in February 2026.

The players

Vivian Tu

A personal finance influencer known for her TikTok account 'Your Rich BFF,' which has 10 million followers. She has published two books and was recently appointed chief of financial empowerment at SoFi.

University of Chicago

The university where Tu graduated from before beginning her career on Wall Street.

JPMorgan

The investment bank where Tu worked as a trader after graduating college.

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

“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

“Are you okay with maintaining your own HVAC, providing plumbing for toilets if something starts leaking at 2 a.m.? If not, you'd be better off having your landlord be on the hook for that.”

— Vivian Tu

“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

What’s next

Tu plans to continue growing her 'Your Rich BFF' brand and sharing more personal finance advice through her TikTok, podcast, and upcoming projects.

The takeaway

Vivian Tu is on a mission to make personal finance more approachable and accessible, especially for younger generations. Her relatable, down-to-earth advice offers a refreshing alternative to traditional financial guidance.